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Share Account Rates

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Type Dividend Rate Annual Percentage Yield (APY)
0.05% 0.05%
ESTATE SAVINGS - S13 2.51% 2.54%
FLOATING IRA SAVINGS
Employee Distribution IRA (Traditional) (Daily/Monthly)
0.05% 0.05%
$5 - $2,499 balance 0.07% 0.07%
$2,500 - $4,999 balance 0.07% 0.07%
Over $5,000 balance
0.07% 0.07%
HEALTH SAVINGS ACCOUNTS (HSA)
$5 - $2,499 balance 0.10% 0.10%
$2,500 - $4,999 balance 0.10% 0.10%
Over $5,000 balance 0.15% 0.15%
FLOATING IRA SAVINGS | Traditional, Roth & Education (Daily/Monthly)
$5 - $9,999 balance 0.10% 0.10%
$10,000 - $49,999 balance 0.15% 0.15%
$50,000 + balance 0.20% 0.20%
MONEY MARKET SAVINGS
$25,000 - $49,999 balance
*Balance below $25,000 will earn the Tier 3 Super Savers Rate
0.65% 0.65%
$50,000 - $99,999 balance 0.75% 0.75%
 $100,000 - $249,999 balance
0.80%
0.80%
$250,000 + balance
0.85% 0.85%
WINcentive  SAVINGS 0.20% 0.20%
CHECKING ACCOUNTS


Simply Free Checking
N/A N/A
Gold Club Checking (55 & better)
N/A N/A
Teen Club Checking (13 - 18)

N/A N/A
KASASA® Rewards Products
(dividends calculated daily/paid (compounded) Monthly 
KASASA Cash Checking (qualified accounts)
On balances up to $10,000 1.98% 2.00%
$10,000+ balances  0.15% 0.15%
(blended APY .032 - 2.00%)
KASASA Savers
(must be enrolled in Kasasa Cash or Kasasa Cash Back checking)


On balances of $25,000 and under 1.00% 1.00%
$25,000 + balances 0.15% 0.15%
(blended APY .032 -1.00%)
MONEY MARKET CHECKING
$1,500 - $9,999 balance
0.05% 0.05%
$10,00 - $24,999 balance 0.10% 0.10%
$25,000 + $49,999 balance 0.10% 0.10%
$50,000 + balance
0.15% 0.15%
IOLTA Lawyers Trust Checking ($5,000 - $9,999)0.10%0.10%
$10,000 + balances 0.20% 0.20%
BUSINESS CHECKING
Regular Business Checking N/A N/A
BUSINESS DIVIDEND CHECKING
$5,000 - $9,999 balance 0.10% 0.10%
$10,000 - $49,999 balance 0.20% 0.20%
$50,000 balance or greater 0.20% 0.20%
All rates effective 6/1/2018- Subject to change.
APYs listed above for Term Share Certificates are based on having an active checking account, if not applicable deduct 0.25% from the APY. Each member is insured to at least $250,000 by National Credit Union Administration. A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Contact an employee for further information on applicable fees and terms. Dividends are based on the Credit Union's earnings and cannot be guaranteed.

KASAS Rewards Products: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (which means a period beginning on the last business day of the month and ending on the second to the last business day of the month) in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 1.00% and balances over $25,000 earn 0.15% interest rate on the portion of balance over $25,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of 5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM & Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 10/24/17. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA.
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