(800) 245-0433 PO Box 60651, Montclair, CA 91763

Checking and Savings Rates

As of August 21, 2014.

This Interest Rate Schedule reflects the interest rates to specified accounts and fees common to all accounts.  This schedule is incorporated as a part of your account agreement with United Methodist Federal Credit Union. The dividend rate and Annual Percentage Yield (APY) stated are the most recent within seven calendar days and were accurate as of September 20, 2012.

Basic Accounts
Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate Annual Percentage Yield Dividend Declaration Date
Regular/Special Share Acounts Variable 25 100 Monthly
Tier I   $100 – $999 0.05% 0.05%
Tier 2   $1,000 – $4,999 0.05% 0.05%
Tier 3   $5,000 – $14,999 0.05% 0.05%
Tier 4   $15,000 – $24,999 0.05% 0.05%
Tier 5   $25,000 – $49,999 0.05% 0.05%
Tier 6   $50,000 – $99,999 0.05% 0.05%
Tier 7   $100,000 – Over 0.05% 0.05%
Youth Share Account Variable $5 $1 0.10% 0.10% Monthly
Christmas Club Variable $0 $1 0.10% 0.10% Monthly
Share Draft Accounts
Product Minimum
Opening
Balance
Minimum
To Earn
Dividend

Dividend
Rate
Annual
Percentage
Yield
Premium $25 $400 0.05% 0.05%
Golden $25 $1 0.05% 0.05%
Corporate $25 $500 0.05% 0.05%
Money Market Multiplier
The Money Market Multiplier account requires a minimum opening balance of $2,000. Dividends are declared monthly, and paid out monthly as long as the balance does not fall below $2,000.
Tier Dividend Rate Annual Percentage Yield
Tier I    $2,000 – $4,999 0.10% 0.10%
Tier 2   $5,000 – $9,999 0.10% 0.10%
Tier 3   $10,000 – $24,999 0.10% 0.10%
Tier 4   $25,000 – $49,999 0.10% 0.10%
Tier 5   $50,000 – $99,999 0.10% 0.10%
Tier 6   $100,000 and over 0.10% 0.10%
Certificate Accounts
Minimum Opening Balance 6 months 12 months 24 months 36 months 60 months
Rate/APY Rate/APY Rate/APY Rate/APY Rate/APY
$1,000 – $4,999 .15%/.15% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
$5,000 – $14,999 .15%/.15% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
$15,000 – $29,999 .15%/.15% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
$30,000 – $49,999 .15%/.15% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
$50,000 – $99,999 .25%/.25% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
$100,000 and over .15%/.15% .35%/.35% .50%/.50% .70%/.70% 1.20%/1.21%
NOTE: APY = Annual Percentage Yield.  Dividends are paid quarterly.
Retirement Accounts
Opening Bal. Min. for Div. Div. Rate APY Div. Dec. Date
Traditional/ROTH IRA Shares Variable $0 $1 0.10% 0.10% Monthly
24-Mo Trad/ROTH IRA CD Fixed $1000 $1000 0.50% 0.50% Quarterly
60-Mo Trad/ROTH IRA CD Fixed $2500 $2500 1.20% 1.21% Quarterly
Member accounts are federally insured by the National Credit Union Administration up to $250,000.
IRA account funds are insured up to $250,000.
Please Call (800) 245-0433 to obtain current information.

MEMBERSHIP APPLICATION


New Auto Loans

as low as

2.99%APR*


Used Auto Loans

as low as

3.25%APR*


New RV/Boats

as low as

7.50%APR*


VISA® Classic

as low as

15.40%APR*


VISA® Platinum

as low as

10.60%APR*


Regular/Special Share

Dividend Rate

0.05%APY*


Youth Share Account

Dividend Rate

0.10%APY*


Christmas Club

Dividend Rate

0.10%APY*

* APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are subject to change without notice. See applicable disclosures on rates page.