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IBEW 26 FCU Rate Schedule

The rates and terms applicable to your account at the Credit Union are provided in this Rate Schedule. 

The Annual Percentage Yield is accurate as of the Last Dividend Declaration Date: September 24, 2014.

Account Type
Dividend Rate
APY
Dividends Compounded
Dividends Credited
Dividend Period
Balance Requirements
Minimum Opening Deposit
Minimum Balance to avoid Service Fee(1)
Minimum Balance to Earn the stated APY
Balance Method
Share Savings
.05 DR*
.05 APY**
Quarterly
Quarterly
Calendar Quarter
$5.00
$5.00
$300.00(1)
$300.00

Average Daily Balance

Share Savings
.15  DR*
.15 APY**
Quarterly
Quarterly
Calendar Quarter
$5.00
$5.00
$300.00(1)
$10,001.00

Average Daily Balance

Money Market Savings
.05 DR*
.05 APY**
Quarterly
Quarterly
Calendar Quarter
$300.00 - $10,000.00
$300.00
$300.00(1)
$300.00

Average Daily Balance

Money Market Savings
.10  DR*
.10 APY**
Quarterly
Quarterly
Calendar Quarter

$10,001.00 - $25,000.00

$300.00
$300.00(1)
$10,001.00
Average Daily Balance
Money Market Savings
.15 DR*
.15 APY**
Quarterly
Quarterly
Calendar Quarter
$25,001.00 – Over
$300.00
$300.00(1)
25,001.00

Average Daily Balance

IRA Savings
.50 DR*
.50 APR**
Quarterly
Quarterly
Calendar Quarter
$300.00
$300.00
Not applicable
$300.00

Average Daily Balance

Share Draft
.05 DR*
.05 APY**
Quarterly
Quarterly
Calendar Quarter
$5.00
$5.00

$250 weekly direct deposit or $1000.00 (2)

$2,000.00

Average Daily Balance

6 Month Share Certificate

0.05  DR*
0.05 APY**
none
Monthly
6 months***
$1,000.00
$1,000.00
Not applicable
$1,000.00

Average Daily Balance

12 Month Share Certificate

0.10  DR*
0.10 APY**
none
Monthly
12 months***
$1,000.00
$1,000.00
Not applicable
$1,000.00

Average Daily Balance

6 Month IRA Certificate

0.05  DR*
0.05 APY**
none
Monthly
6 months***
$1,000.00
$1,000.00
Not applicable
$1,000.00

Average Daily Balance

12 Month IRA Certificate
0.10  DR*
0.10 APY**
none
Monthly
12 months***
$1,000.00
$1,000.00
Not applicable
$1,000.00

Average Daily Balance

DR* = Dividend Rate APY** = Annual Percentage Yield ***Early Withdrawal penalty will or may be imposed for IRA & Share Certificates. Accounts closed before the end of a dividend period will not receive dividends for that period. , Service Fee(1) = Refer to Schedule of Fees available on website or request a copy from IBEW 26 FCU. (2) Share draft with direct deposit or weekly deposit (minimum $250.00), debit card, Virtual Branch, and e-statement = no monthly fee, if direct deposit is cancelled share draft account defaults to $8.95/month if cumulative balance in all accounts is less than $1,000.00. Rates may change after the account is open. Fees may reduce earnings.  Please refer to the Truth-In-Savings section of the Membership Booklet for further information.  

For a list of current rates contact the Credit Union office. Telephone 301-306-0610.

IBEW 26 FCU, 4371 Parliament Place, Suite C, Lanham, MD 20706. Visit our website www.ibew26fcu.com

 

   

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