STCU Credit Union

Savings & Checking Accounts

Dividend Rate

APY

Savings & Club Accounts

0.25%

Checking Account*

0.00%

Money Market Share Account

Tier	Balance	Interest Rate	APY
1	LESS THAN $2,500.00	0.25%	0.25%
2	$2,500 TO $10,000	0.25%	0.25%
3	$10,000.00 TO $25,000	0.30%	0.30%
4	$25,000 TO $50,000	0.35%	0.35%
5	$50,000 TO $100,000	0.40%	0.40%
6	$100,000 PLUS	0.40%	0.40%

Minimum withdrawal amount of $500.00
No Checks with limit of 6 withdrawals or transfers

Share Certificates** (Minimum Deposit $1,000.00)

Dividend Rate

APY

Three-month

0.30%

Six-month

0.50%

One-year

0.75%

Two-year

1.09%

1.10%

Three-year

1.65%

1.66%

Four-year

1.74%

1.75%

Five-year

1.98%

2.00%

18 Month SPECIAL

1.00%

1.01%

STEP UP CD**

Rate

APY

30 Month**

1.50%

1.51%

**One-time step allowed during term
Minimum deposit $1,000.00

IRA Savings Accounts (Traditional & Roth) Minimum Deposit $25

Account Balance

Dividend Rate

APY

$25 - $2,000

0.25%

$2,001- $5,000

0.30%

$5,001- $10,000

0.30%

$10,001 and over

0.40%

Coverdale Education Savings Accounts Minimum Deposit $25

Account Balance

Dividend Rate

APY

All balances

0.30%

Rates effective January 30, 2012

APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yields may change monthly.

*Minimum balance to earn dividend - $1000

** The Annual Percentage Yield on Certificates is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We will impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for Certificates with a maturity of one year or less is three months dividends. The amount of the early withdrawal penalty for Certificates with a maturity greater than one-year is equal to six months dividends.

***Funds must originate from another financial institution.