Savings Rates

Savings Rates
Effective Date: 7/1/2009
Type	Rate	APY*
Prime Shares (Regular Savings)	0.50%	0.50%
$5.00 minimum balance to open the account. $5.00 balance is necessary to earn the stated APY*.
Vacation Club	0.50%	0.50%
Share 99	0.50%	0.50%
Early Bird Credit Union Kids	0.50%	0.50%
$5.00 minimum balance to open the account. $5.00 balance is necessary to earn the stated APY*.
Teen Savers	0.50%	0.50%
$5.00 minimum to open the account. $5.00 balance is necessary to earn the stated APY*.
Individual Retirement Account (Term Share)	1.49%	1.50%
(Traditional, Roth and Coverdell (Education))
Money Market Shares	1.24%	1.25%
$2,500 minimum balance to open the account. $2,500 balance necessary to earn the stated APY*.
Christmas Club	1.25%	1.25%

Certificate of Deposit Rates
Effective Date: 2/1/2010
Term	Rate	APY*
6 Months	1.25%	1.25%
9 Months	1.24%	1.25%
12 Months	1.49%	1.50%
15 Months	1.49%	1.50%
18 Months	1.74%	1.75%
24 Months	2.23%	2.25%
36 Months	2.48%	2.50%
48 Months	2.72%	2.75%
60 Months	2.97%	3.00%
Youth Certificate Program
6 Months	2.97%	3.00%
Interest is paid at maturity. Additions to the certificate in increments of $100 permitted once per month during the certificate term. Minimum initial deposit and balance necessary to earn the stated APY* is $250.

Certificate of Deposit minimum and the balance necessary to earn the APY* is $1,000, with the exception of Education IRA Certificates which are $500 and Youth Certificates which are $250. Additions to the certificate, with the exception of the Youth Certificate, are not permitted until the maturity date stated on the account.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

A penalty may be imposed on withdrawals before maturity.

Certificates automatically renew at maturity.

Please call the credit union for a complete Truth-in-Savings disclosure or click on the Truth-in-Savings Disclosure Information link.

APY = Annual Percentage Yield

Rates are subject to change without notice. Every effort is made to keep the web site current however, rates posted in the credit union office take precedence over rates posted on the web site. Please call the credit union for today's rates. Fees, if any, may reduce earnings and affect Annual Percentage Yield (APY) calculations. Please call the credit union for complete "Truth-in-Savings" disclosures. Telephone 989-793-5943 (Saginaw), 888-504-7999 (Saginaw toll-free), 989-673-3002 (Caro).