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Checking and Savings Rates

Rates effective January 2, 2018.
Account Type Minimum Balance Dividend Rate APY
Dividend Checking1 $500 0.05% 0.05%
Regular Savings2 $5 0.05% 0.05%
Special Purpose Club2 0.05% 0.05%
Premium Summer Pay Tier One3 1.98% 2.00%
Premium Summer Pay Tier Two3 $20,000 0.05% 0.05%
APY=Annual Percentage Yield.

1 Dividends are compounded and credited monthly.
2 Dividends are compounded and credited quarterly.
3 The Premium Summer Pay account is only available for Direct Deposits received from qualifying school systems and community colleges. The Tier One APY applies to average balances up to $20,000. The Tier Two APY applies to average daily balances above $20,000. A $25 fee will be assessed for each early withdrawal. The Premium Summer Pay account distributions will be made to an Educational Systems FCU savings or checking account in four equal proportions on the first and third Friday of July and August. For terms applicable to Standard Summer Pay accounts opened prior to January 1, 2016, please contact the Credit Union at 301.779.8500 for further information pertaining to this account.
Rates effective January 2, 2018.
Account Type Minimum Balance Dividend Rate APY
Money Market - Tier One $2,500 0.40% 0.40%
Money Market - Tier Two $20,000 0.50% 0.50%
Money Market - Tier Three $100,000 0.60% 0.60%
IRA Money Market - Tier One $2,500 0.40% 0.40%
IRA Money Market - Tier Two $20,000 0.50% 0.50%
IRA Money Market - Tier Three $100,000 0.60% 0.60%
IRA Account $5 0.05% 0.05%

APY=Annual Percentage Yield. Dividends are compounded and credited monthly

Rates effective January 2, 2018.
Term Minimum Balance Dividend Rate APY Star Member Dividend Rate Star Member APY
60 months $500 2.28% 2.30% 2.38% 2.40%
48 months $500 2.08% 2.10% 2.18% 2.20%
36 months $500 1.99% 2.00% 2.08% 2.10%
24 months $500 1.84% 1.85% 1.94% 1.95%
12 months $500 1.59% 1.60% 1.69% 1.70%
6
months
$500 1.10% 1.10% 1.19% 1.20%
3
months
$500 0.75% 0.75% 0.85% 0.85%

APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.

Star Members: Star Members are eligible for an additional 0.10% APY increase on new Certificates and will need to speak to an Educational Systems FCU employee for the adjusted APY.

Rates effective January 2, 2018.
Term Minimum Balance Dividend Rate APY Star Member Dividend Rate Star Member APY
60 months $100,000 2.38% 2.40% 2.48% 2.50%
48 months $100,000 2.18% 2.20% 2.28% 2.30%
36 months $100,000 2.08% 2.10% 2.18% 2.20%
24 months $100,000 1.94% 1.95% 2.03% 2.05%
12 months $100,000 1.69% 1.70% 1.79% 1.80%
6
months
$100,000 1.19% 1.20% 1.29% 1.30%
3
months
$100,000 0.85% 0.85% 0.95% 0.95%

APY=Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be charged for Certificate early withdrawal.

Jumbo Certificate: A Jumbo Certificate can be opened with a minimum balance of $100,000. Jumbo Certificates offer a 0.10% APY higher than Regular and IRA Certificates of the same type or term. APYs, terms and disclosures also apply to IRA Certificates and individual retirement accounts.

Star Members: Star Members are eligible for an additional 0.10% APY increase on new Certificates and will need to speak to an Educational Systems FCU employee for the adjusted APY.