RATES AND DISCLOSURES
Certificate of Deposits
Term
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000+
3 Months
6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
Rate
Rate
Rate
Rate
Rate
Rate
Rate
Rate
APY
APY
APY
APY
APY
APY
APY
APY
0.15
0.15
0.25
0.25
0.60
0.60
0.70
0.70
0.80
0.80
1.00
1.01
1.20
1.21
1.30
1.31
0.15
0.15
0.25
0.25
0.60
0.60
0.70
0.70
0.80
0.80
1.00
1.01
1.20
1.21
1.30
1.31
0.15
0.15
0.30
0.30
0.70
0.70
0.85
0.85
1.00
1.01
1.20
1.21
1.40
1.41
1.50
1.51
0.15
0.15
0.30
0.30
0.70
0.70
0.85
0.85
1.00
1.01
1.20
1.21
1.40
1.41
1.50
1.51
0.20
0.20
0.40
0.40
0.80
0.80
0.95
0.95
1.10
1.11
1.30
1.31
1.50
1.51
1.75
1.76
IRA Certificate of Deposit
Term
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000+
3 Months
6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
Rate
Rate
Rate
Rate
Rate
Rate
Rate
Rate
APY
APY
APY
APY
APY
APY
APY
APY
0.15
0.15
0.25
0.25
0.60
0.60
0.70
0.70
0.80
0.80
1.00
1.01
1.20
1.21
1.30
1.31
0.15
0.15
0.25
0.25
0.60
0.60
0.70
0.70
0.80
0.80
1.00
1.01
1.20
1.21
1.30
1.31
0.15
0.15
0.30
0.30
0.70
0.70
0.85
0.85
1.00
1.01
1.20
1.21
1.40
1.41
1.50
1.51
0.15
0.15
0.30
0.30
0.70
0.70
0.85
0.85
1.00
1.01
1.20
1.21
1.40
1.41
1.50
1.51
0.20
0.20
0.40
0.40
0.80
0.80
0.95
0.95
1.10
1.11
1.30
1.31
1.50
1.51
1.75
1.76
Minimum to open – $2,500 All rates are Annual Percentage Yield (APY). APY is based on an assumption that interest will remain in the
account. Withdrawals and fees may reduce earnings. Penalty may be imposed for early withdrawal.
CD Types :
3 Month CD available as a standard CD, IRA, and Roth IRA
6 Month - 60 Month available in a standard CD, IRA, Roth IRA, and Coverdell
Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs:
Loss of 30 days interest for CDs with a term of 6 months or less
Loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months
Loss of 180 days interest for CDs with a term greater than 12 months
Rates Effective: January 3, 2017
Money Market Account (Personal/Business)
Rate
0.05
0.05
0.10
0.15
0.25
0.30
0.65
1.10
Balance
$1,000+
$2,500+
$10,000+
$25,000+
$50,000+
$100,000+
$1,000+*
$1,000+**
Personal Savings Account
APY*
0.05
0.05
0.10
0.15
0.25
0.30
0.65
1.10
Minimum to open – $1,000 *APY is Annual Percentage Yield.
*To receive this rate members must have signed up for a Hantz Plan.
Balance
$5 - $499.99
$500+
Rate
0.05
0.05
APY*
0.05
0.05
*APY is Annual Percentage Yield.
Savings Account (IRA, Roth IRA, and Coverdell
Education Account)
Balance
$5+
Rate
0.15
APY*
0.15
*APY is Annual Percentage Yield.
**To receive rate member must open an Insured Money Market account
within 90 days of joining. Rate will be in effect for six months from the time
the account is opened. After the promotional period the rate will default to the
standard Personal/Business Rate as listed on.
Cash Back Checking
Business Interest Checking
Rate
0.05
0.05
0.10
Balance
$5000-$7,499
$7,500-$9,999
$10,000+
APY*
0.05
0.05
0.10
Balance
$3,000+
Rate
0.05
APY*
0.05
*APY is Annual Percentage Yield.
*APY is Annual Percentage Yield.
Savings accounts are variable rate accounts. The interest rate and APY (Annual Percentage Yield) may change at any time. The APY is based on the assumption that interest remains in
the account until maturity. A withdrawal will reduce earnings. Refer to our brochure, "How to Avoid Fees" for specific account fees. Please call (800) 451-4292 to obtain current rate
information.
Rates Effective: January 3, 2017