Savings, Checking & Certificate of Deposit Rates - First Community Federal Credit Union

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Effective as of January23, 2012. Subject To Change Daily - Call (269) 382-9845
Main Office Located at: 550 South Riverview, Parchment, MI 49004

Savings, Checking & Certificate of Deposit Rates

Share Savings, Special Clubs and Money Fund Account
Account	Minimum to Earn Dividends	Compounded and Paid	Member Advantage Program APY As High As	Anticipated Quarter's Dividend Base Rate (APR)	Base Annual Percentage Yield (APY)
Share Savings	$500.00	Quarterly	0.20% APY	0.20%	0.20% APY
Youth Savings	$50.00	Quarterly	0.20% APY	0.20%	0.20% APY
Regular Checking	$500.00	Monthly	1.00% APY*	0.10%	0.10% APY
Money Mkt Checking	$2,500 - $24,999.99	Monthly	0.20% APY	0.20%	0.20% APY
Money Mkt Checking	$25,000 - $74,999.99	Monthly	0.30% APY	0.30%	0.30% APY
Money Mkt Checking	$75,000 +	Monthly	0.40% APY	0.40%	0.40% APY
Special Club	$500.00	Quarterly	0.20% APY	0.20%	0.20% APY
Money Mkt Savings	$2,000.00 - $24,999.99	Monthly	0.35% APY**	0.25%	0.25% APY
Money Mkt Savings	$25,000.00 - $74,999.99	Monthly	0.45% APY**	0.35%	0.35% APY
Money Mkt Savings	$75,000.00 +	Monthly	0.60% APY**	0.50%	0.50% APY
IRA Savings	$500.00	Quarterly	0.90% APY	0.90%	0.90% APY
Christmas Club	No Minimum	Annually	0.75% APY	0.75%	0.75% APY
Earn Bonus incentives when account is at following Member Advantage Program Levels at time of interest/dividend payment: Checking: Advantage Plus Checking - Base rate plus: Level 4 (A) - 0.90%; Level 3 (B) - 0.40%; Level 2 (C) - 0.10% Money Fund: Advantage or Advantage Plus Checking - Base rate plus: Level 4 (A) - 0.10%; Level 3 (B) - 0.05% *CD/IRA CD: Advantage or Advantage Plus Checking - Base rate plus: Level 4 (A) - 0.20%; Level 3 (B) - 0.10% $5.00 Minimum opening Share Savings balance required for membership. Regular Checking interest payable to balances up to $25,000.*

Certificates of Deposit* (Non-IRA)
Term	Minimum to Earn Interest	Compounded and Paid	Member Advantage Program APY As High As***	Base Annual Percentage Rate (APR)	Base Annual Percentage Yield (APY)
3 to5 Months	$300.00	Monthly	0.50% APY	0.30%	0.30% APY
6 to 11 Months	$300.00	Monthly	0.60% APY	0.40%	0.40% APY
12 Month	$300.00	Monthly	0.75% APY	0.55%	0.55% APY
12 Month Save To WIN	$25.00	Monthly	0.40% APY	0.40%	0.40% APY
24 to 35 Months	$300.00	Quarterly	1.00% APY	0.80%	0.80% APY
36 to 47 Months	$300.00	Quarterly	1.41% APY	1.20%	1.21% APY
48 to 59 Months	$300.00	Quarterly	1.76% APY	1.55%	1.56% APY
60 Months	$300.00	Quarterly	2.23% APY	2.01%	2.03% APY
Ask about our new “Goal Setter Certificates” for youth under age 18. Terms range from 12-Months to 60-Months with only $5.00 opening balance and unlimited deposits up to $5,000 to earn a higher dividend rate (currently set at 2.00% APR) Youth CD minimum to earn stated rate is $100.00 Penalty imposed for early withdrawal (see Member Account Agreement effective 9/1/2011 or Certificate notice for reference based on term). Annual Percentage Yield (APY) is the actual rate of return if interest earned on account allowed to compound throughout term.

IRA (Individual Retirement Account) Certificates of Deposit
Term	Minimum to Earn Interest	Compounded and Paid	Member Advantage Program APY As High As***	Base Annual Percentage Rate (APR)	Base Annual Percentage Yield (APY)
3 to 5 Months	$1,000.00	Monthly	0.60% APY	0.40%	0.40% APY
6 to 11 Months	$1,000.00	Monthly	0.70% APY	0.50%	0.50% APY
12 Month	$1,000.00	Monthly	0.85% APY	0.65%	0.65% APY
24 to 35 Months	$1,000.00	Quarterly	1.10% APY	0.90%	0.90% APY
36 to 47 Months	$1,000.00	Quarterly	1.51% APY	1.30%	1.31% APY
48 to 59 Months	$1,000.00	Quarterly	1.86% APY	1.65%	1.66% APY
60 Months	$1,000.00	Quarterly	2.33% APY	2.11%	2.13% APY
Ask us about available Roth IRA and Coverdell Education Savings Accounts!
Penalty imposed for early withdrawal (see Member Account Agreement effective 9/1/2011 or actual Certificate Notice for reference based on term). Additional early withdrawal penalties imposed by federal governing agencies. See IRA disclosure for complete details. Annual Percentage Yield (APY) is the actual rate of return if interest earned on account allowed to compound throughout term. All savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration.