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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: March 25, 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. 

 

   

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