Financial Plus Credit Union

Certificates

Effective as of December 1, 2018.

Regular & IRA Certificates

  Term Rate APY*
3 Month Certificate

Minimum $2,000 balance required.

3 Months 0.25% 0.25%
6 Month Certificate

Minimum $2,000 balance required.

6 Months 0.30% 0.30%
12 Month Certificate

Minimum $500 balance required.

12 months 0.55% 0.55%
24 Month Certificate

Minimum $500 balance required.

24 Months 0.80% 0.81%
36 Month Certificate

Minimum $500 balance required.

36 months 1.15% 1.16%
48 Month Certificate

Minimum $500 balance required.

48 months 1.25% 1.26%
60 Month Certificate

Minimum $500 balance required.

60 months 1.45% 1.46%

Special Certificates

  Term Rate APY*
18 Month Special Certificate

Minimum $5,000 balance required.

18 Months 0.75% 0.75%

Variable Regular & IRA Certificates**

  Term Rate APY*
48 Month Variable Certificate

Minimum $500 balance required.

48 months 1.25% 1.26%
60 Month Variable Certificate

Minimum $500 balance required.

60 months 1.45% 1.46%
60 Month Variable Education Certificate

Minimum $100 balance required.

60 months 1.45% 1.46%

The annual percentage yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. The dividend rates and annual percentage yields listed above are the rates and yields approved at the last Board of Director's meeting to take effect on the date above. The Plus Checking and Money Market accounts are tiered rate accounts. The balance ranges, dividend rates, and annual percentage yields for each tier are listed above. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Balance ranges may change at any time as determined by the Credit Union's Board of Directors. Maintenance or activity fees could reduce the earnings on an account. A penalty may be imposed for early withdrawal of share certificates. Withdrawal of earnings could reduce the APY. Please see the fee schedule for fees related to these accounts.