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Deposits Rates - Effective as of 04/17/2014

Checking Accounts

Name Minimum Balance
to earn APY
Rate APY
Simple Checking $0.01 
$10,000.00 
$100,000.00 
0.050% 
0.100% 
0.150% 
0.050% 1
0.100% 1
0.150% 1
eChecking $6.52  0.300%  0.300% 1
GO Green Checking $0.01 
$25,000.01 
2.500% 
0.500% 
2.529% 1
0.501% 1

Savings Accounts

Name Minimum Balance
to earn APY
Rate APY
Share Savings $0.01  0.300%  0.300% 1
Cornerstone Money Market $2,500.00 
$25,000.00 
$50,000.00 
0.300% 
0.349% 
0.499% 
0.300% 1
0.350% 1
0.500% 1
Tuition Builder $100.00  0.503%  0.504% 1
Club Accounts $6.52  0.300%  0.300% 1
Savers Dividend n/a  0.400%  0.401% 1

Certificates

Name Deposit to Open Term Minimum Balance
to earn APY
Rate APY
3-Month Certificate $1,000.00  3 Months  $1,000.00  0.296%  0.300% 2
6-Month Certificate $1,000.00  6 Months  $1,000.00  0.492%  0.500% 2
1-Year Certificate $1,000.00  12 Months  $1,000.00  0.591%  0.600% 2
15-Month Bump Certificate $1,000.00  15 Months  $1,000.00  0.640% 3 0.650% 2
20-Month Bump Certificate $1,000.00  20 Months  $1,000.00  1.031% 4 1.050% 2
2-Year Certificate $1,000.00  24 Months  $1,000.00  0.884%  0.900% 2
30-Month Bump Certificate $1,000.00  30 Months  $1,000.00  1.274% 5 1.300% 2
3-Year Certificate $1,000.00  36 Months  $1,000.00  1.226%  1.250% 2
4-Year Certificate $1,000.00  48 Months  $1,000.00  1.420%  1.450% 2
5-Year Certificate $1,000.00  60 Months  $1,000.00  1.518%  1.550% 2

Youth Accounts

Name Deposit to Open Term Minimum Balance
to earn APY
Rate APY
Dollar Dog Kids Share $5.00 6 n/a  $0.01  1.000%  1.005% 1
elements Teen Share $5.00 7 n/a  $0.01  1.000%  1.005% 1
elements Teen Checking n/a  n/a  $6.52 8 0.500%  0.500% 1
Youth Resources n/a  n/a  n/a  n/a  n/a 
Student Resources n/a  n/a  n/a  n/a  n/a 

IRA

Name Deposit to Open Term Minimum Balance
to earn APY
Rate APY
3 Month IRA $500.00  3 Months 2 n/a  0.296%  0.300% 1
6 Month IRA $500.00  6 Months 2 n/a  0.492%  0.500% 1
1 Year IRA $500.00  1 Years 2 n/a  0.591%  0.600% 1
20-Month IRA Bump Certificate $500.00  20 Months 9 n/a  1.031%  1.050% 1
2 Year IRA $500.00  2 Years 2 n/a  0.884%  0.900% 1
3 Year IRA $500.00  3 Years 2 n/a  1.226%  1.250% 1
4 Year IRA $500.00  4 Years 2 n/a  1.420%  1.450% 1
5 Year IRA $500.00  5 Years 2 n/a  1.518%  1.550% 1

1

APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account.Dividend rates on savings and checking accounts may change after the account is opened.

2

APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Penalty may apply for early withdrawals from Certificates. Fees could reduce earnings on the account

3

Stated rate applies to the initial 15-month non-IRA Certificate only. A one-time "bump" is allowable during the initial 15-month term of the Certificate to a 1-year non-IRA Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 1-Year Certificate at the APY then in effect, without any rate bump feature. Rate is subject to change without notice.

4

Stated rate applies to the initial 20-month Certificate only. A one-time "bump" is allowable during the initial 20-month term of the Certificate to a 2-year Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 2-Year Certificate at the APY then in effect, without any rate bump feature. Rate is subject to change without notice.

5

Stated rate applies to the initial 30-month non-IRA Certificate only. A one-time "bump" is allowable during the initial 30-month term of the Certificate to a 2-year non-IRA Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 2-Year Certificate at the APY then in effect, without any rate bump feature. Rate is subject to change without notice.

6

Dollar Dog Kid Share: Account requires a $5 initial deposit and a parent, legal guardian or an adult member of the child's family must be a joint own on Dollar dog Kids Share accounts. Dollar Dog is a registered trademark of Marketing Partners.

7

Elements Teen Share: Account requires a $5 initial deposit.

8

Elements Checking: A parent, legal guardian or an adult member of the child's family must be a joint own on elements checking accounts and/or VISA Debit Card for teens under age 17.

9

Stated rate applies to the initial 20-month IRA Certificate only. A one-time "bump" is allowable during the initial 20-month term of the Certificate to a 2-year IRA Certificate rate which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 2-Year Certificate at the APY then in effect, without any rate bump feature. Rate is subject to change without notice.


Print out generated 04/17/14, 10:58:38 PM, from the NEFCU web site at https://www.mynefcu.org/rates.cfm.