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IRA Certificates

IRA Certificate Rates

The rates quoted below are effective as of 11/20/2009 and are subject to change without notice.



$500 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.75% 0.75%
03 - 05 Month 1.00% 1.01%
06 - 11 Month 1.34% 1.35%
12 - 17 Month* 1.49% 1.50%
18 - 23 Month 1.59% 1.60%
24 - 29 Month 2.23% 2.25%
30 - 47 Month 2.47% 2.50%
48 - 59 Month 2.96% 3.00%
60 Month 3.20% 3.25%

IRA = Individual Retirement Account
Maximum annual contributions and contribution periods are determined by IRS regulations.
* Rollovers or transfers from another plan or institution may be added to the 12-17 month IRA Share Certificate at any time.

Penalty for early withdrawal. Please see SchoolsFirst FCU's Disclosure & Agreement of Terms & Conditions brochure for specific details about any account.






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