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RATE SPECIALS
Account Minimum Deposit Dividend Rate Annual Percentage Yield (APY)
14-Month CD Special $1,000.00** 3.35% 3.40%
Liquid CD* - 12-Months $1,000.00** 3.35% 3.35%
Youth Share Certificate - 12-Months $50.00 to $500.00 4.86% 5.00%
Teen Share Certificate - 12-Months $100.00 to $1,000.00 4.86% 5.00%

*Liquid Certificate of Deposit means you get the advantage of a great rate and the ability to make withdrawals. You have access to your funds. Plus, you can have an unlimited number of deposits during the 12-month certificate term. Learn more here.

**New Money Only

Share Rates

Account Name Balance Dividend Rate Annual Percentage Yield (APY)
Membership Savings $250.00 to $2,499.99
$2,500.00 to $19,999.99
$20,000.00 to $49,999.99
$50,000.00 to $74,999.99
$75,000.00 or more
0.01%
0.01%
0.01%
0.02%
0.05%
0.01%
0.01%
0.01%
0.02%
0.05%
Christmas Club $0.01 or more 0.02% 0.02%
Vacation Pay Savings*** $2,500.00 or more 0.02% 0.02%
Vacation Pay Checking $2,500.00 or more 0.02% 0.02%
Money Market $2500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $499,999.99
$500,000.00 or more
0.14%
0.19%
0.24%
0.29%
1.48%
0.14%
0.19%
0.25%
0.30%
1.50%
IRA Savings $0.01 or more 0.01% 0.01%
Youth Savings $5.00 or more 0.49% 0.50%
Teen Savings $5.00 or more 0.49% 0.50%

***Vacation Pay Savings – This product has been grandfathered.

**Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

Share Certificates

Certificate Terms Minimum Balance to Earn Divident Dividend Rate Annual Percentage Yield (APY)
3 Months $1,000.00 0.25% 0.25%
6 Months $1,000.00 0.65% 0.65%
12 Months $1,000.00 0.84% 0.85%
14 Months CD Special $1,000.00** 3.35% 3.40%

**New money only.

Bump Up Share Certificates & IRA Certificates (Traditional & ROTH)

Certificate Terms Minimum Balance to Earn Divident Dividend Rate* Annual Percentage Yield (APY)
18 Months $1,000.00 0.89% 0.90%
24 Months $1,000.00 1.98% 2.00%
36 Months $1,000.00 1.86% 1.88%

*The dividend rate on the Share Certificates can be increased or “Bumped Up” one time during the term of the share certificate. The minimum term for a “Bump Up” certificate is eighteen (18) months.

IRA Certificate (Traditional and ROTH)

Certificate Terms Minimum Balance to Earn Divident Dividend Rate Annual Percentage Yield (APY)
14 Months Rate Special $1,000.00** 3.35% 3.40%

**New money only.

This rate schedule states rates applicable to specified accounts and is incorporated as a part of your account agreement with SMW 104 Federal Credit Union. For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share account were offered within the most recent 7 calendar days and were accurate as of the effective date shown above. Rates determined by the Board of Directors and subject to change without notice.

Please call (800) 464-5987 to obtain information on current rates, terms and fees.

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