|
 |
| Personal Savings,
Money Market and Checking Accounts
|
Rates effective 03 July 2008 |
|
|
Minimum Balance |
APY1 |
Rate |
| Keys Savings |
$99 or less |
0.00% |
0.00% |
|
$100 or greater |
0.10% |
0.10% |
|
|
|
|
|
Kirby Kids
Savings |
$0 or greater |
1.21% |
1.20% |
|
Student
Savings |
|
|
|
|
|
|
|
| Keys Super Savings |
$1,000-$2,499 |
0.50% |
0.50% |
|
$2,500 or greater |
1.01% |
1.00% |
|
|
|
|
| Keys Money Market |
$2,500-$9,999 |
1.11% |
1.10% |
|
$10,000-$49,999 |
1.50% |
1.49% |
|
$50,000 or greater |
2.30% |
2.27% |
|
|
|
|
| Keys IRA Money Market |
$2,499 or less |
1.11% |
1.10% |
|
$2,500-$9,999 |
1.11% |
1.10% |
|
$10,000-$49,999 |
1.50% |
1.49% |
|
$50,000-$99,999 |
2.29% |
2.27% |
|
$100,000 or greater |
2.55% |
2.52% |
|
|
|
|
|
Keys Advantage Money Market2 |
$2,500-$19,999 |
1.11% |
1.10% |
|
$20,000 or greater |
3.10% |
3.05% |
|
|
|
|
|
Keys IRA
Advantage Money Market |
$2,500-$19,999 |
1.11% |
1.10% |
|
$20,000 or greater |
3.10% |
3.05% |
|
|
|
|
| Keys Hi Yield Money Market |
$100,000-$299,999 |
2.55% |
2.52% |
|
$300,000-$999,999 |
2.55% |
2.52% |
|
$1,000,000 or greater |
2.55% |
2.52% |
|
Special rate3
|
$100,000-$299,999 |
3.57% |
3.51% |
|
$300,000-$999,999 |
3.57% |
3.51% |
|
$1,000,000 or greater |
3.57% |
3.51% |
|
|
|
|
| Keys Checking Plus |
$1,000 |
1.11% |
1.10% |
|
|
|
|
| Keys 50-PLUS Checking |
$2,500 |
1.11% |
1.10% |
|
|
|
|
| Keys Hi Yield Checking |
$10,000 |
1.65% |
1.64% |
|
|
BUSINESS
Savings, Money Market and Checking Accounts |
|
Minimum Balance |
APY1 |
Rate |
| Share Savings |
$99 or less |
0.00% |
0.00% |
|
$100 or greater |
0.10% |
0.10% |
|
|
|
|
| Money Market |
$2,500-$9,999 |
1.11% |
1.10% |
|
$10,000-$49,999 |
1.50% |
1.49% |
|
$50,000 or greater |
2.30% |
2.27% |
|
|
|
|
|
Keys Advantage Money Market2 |
$2,500-$19,999 |
1.11% |
1.10% |
|
$20,000 or greater |
3.10% |
3.05% |
|
|
|
|
| Hi Yield Money Market |
$100,000-$299,999 |
2.55% |
2.52% |
|
$300,000-$999,999 |
2.55% |
2.52% |
|
$1,000,000 or greater |
2.55% |
2.52% |
|
Special rate3
|
$100,000-$299,999 |
3.57% |
3.51% |
|
$300,000-$999,999 |
3.57% |
3.51% |
|
$1,000,000 or greater |
3.57% |
3.51% |
|
|
|
|
| Checking Plus |
$2,500 |
1.11% |
1.10% |
|
|
|
|
| Hi Yield Checking |
$10,000 |
1.65% |
1.64% |
|
| Share Certificates
& IRA Certificates |
|
|
|
|
|
Limited Time Promotion |
Minimum Balance |
APY1 |
Rate |
|
60-Month 5 |
$1,000 |
5.00% |
4.88% |
|
23-Month Flex 4 |
$1,000 |
4.05% |
3.97% |
|
23-Month Flex IRA 4 |
$1,000 |
4.05% |
3.97% |
|
12-Month Stimulus
Certificate 6 |
$300 |
10.00% |
9.53% |
|
12-Month 5 |
$1,000 |
3.57% |
3.51% |
|
|
|
|
| Regular Certificates |
Minimum Balance |
APY1 |
Rate |
| 91-Day |
$2,500 |
1.94% |
1.92% |
| 6-Month |
$2,500 |
2.28% |
2.25% |
| 12-Month |
$500 |
2.53% |
2.50% |
| 13-Month Bump Up |
$500 |
2.43% |
2.40% |
|
23-Month Bump Up |
$500 |
2.68% |
2.64% |
| 24-Month |
$500 |
2.78% |
2.74% |
| 36-Month |
$500 |
3.20% |
3.15% |
| 48-Month |
$500 |
3.60% |
3.54% |
| 60-Month |
$500 |
4.00% |
3.92% |
|
|
PERSONAL
& BUSINESS JUMBO Share
Certificates & IRA Certificates |
| Jumbo Certificates |
Minimum Balance |
APY1 |
Rate |
| 91-Day |
$100,000 |
2.04% |
2.02% |
| 6-Month |
$100,000 |
2.53% |
2.50% |
| 12-Month |
$100,000 |
2.79% |
2.75% |
| 13-Month Bump Up |
$100,000 |
2.69% |
2.65% |
|
23-Month Bump Up |
$100,000 |
2.94% |
2.90% |
| 24-Month |
$100,000 |
3.05% |
3.00% |
| 36-Month |
$100,000 |
3.30% |
3.25% |
| 48-Month |
$100,000 |
3.70% |
3.63% |
| 60-Month |
$100,000 |
4.10% |
4.02% |
|
Stop by any of our
offices
Call us at 294-6622 or toll-free at (800) 805-7535
or email us at info@keysfcu.org
for more details or to open an account. |
1 APY = Annual Percentage
Yield
2 A checking account is a
requirement for this account
3 Special rate: A High Yield
Checking Account with a minimum balance of $10,000 is a requirement
to qualify for this rate.
4
Minimum to open a 23 month flex certificate is
$1,000. One-time option to add funds during certificate term.
One-time option to bump rate to a better rate. Bump Up rate on a
23-Month Flex certificate will match prevailing 23-Month Bump Up
Certificate rate; promotional rates on 23-Month Bump Up or FLEX
Certificates do not apply to this offer. Member Rewards do not
apply. New rate will carry forward from date of Bump Up. Penalty
for early withdrawal. Fees may reduce account earnings.
Dividends compounded daily.
5 Minimum deposit to open
12 or 60 month share certificate is $1,000. Minimum balance
$1,000. Offer is available for a limited time only & can be
revoked at any time. Penalty will be imposed for early
withdrawal & may reduce certificate earnings. Dividends compound
daily. Member rewards do not apply. Not valid with any other
offer.
6 Maximum balance is
$600. Bring your government issued economic stimulus check or
bring proof of direct deposit (bank or credit union statement).
Offer available from May 5 through July 11. Offer can be
revoked at any time. No principal withdrawals are allowed
except to close the certificate. Penalty will be imposed on
early withdrawal, and may reduce earnings on share certificate.
For details go to
http://www.keysfcu.org/savings_Economic_Stimulus_Offer.htm
Rates are subject to change.
Last rate change 03 July 2008. Fees could reduce earnings on these
accounts. On certificates, a penalty may be imposed for
early withdrawal. There is no minimum to earn dividends on Minor
Accounts. Please refer to the Disclosures for information about dividend
calculation methods and further details.
Your savings at Keys Federal Credit Union
are federally insured up to at least $100,000 and backed by the full
faith and credit of the United States Government. NCUA - National Credit Union
Administration, a U.S. Government agency.
|
