|
|
A+ Balance |
Dividend Rate for
qualifying accounts |
Annual
Percentage Yield |
Up to $25,000 |
4.937% |
5.05% |
Over to $25,000 |
0.995% |
1.00% |
Qualifying accounts get up to $20 in ATM fee refunds from any U.S. ATM monthly.
|
A+ Checking available for personal accounts only; one A+ Checcking account per member. Please click here for complete disclosure information. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$25,000
average daily |
2.716% |
2.75% |
$75,000
average daily |
2.960% |
3.00% |
No
monthly service charge if $25,000 average daily balance
is maintained. $10.00 monthly fee if average daily
balance falls below $25,000. Platinum Checking accounts
under the required minimum balance earn a dividend
rate of 0.499% with
a 0.50%
APY. Dividend Rates subject to change. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$500
average daily |
0.995% |
1.00% |
| No monthly service charge if $500 average
daily balance is maintained. $5.00 monthly fee if average
daily balance falls below $500. Dividend Rate subject
to change. |
Business Checking with Dividends |
|
Daily
Minimum Balance |
Dividend
Rate |
Annual
Percentage Yield |
$5,000
- $9,999 |
1.193% |
1.20% |
$10,000
- $19,999 |
1.490% |
1.50% |
$20,000+ |
1.785% |
1.80% |
| No monthly service charge if $2,000 daily balance is maintained. Dividends earned on balances $5,000 or greater. $15.00 monthly fee if daily balance falls below $2,000. Dividend Rate subject to change. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$2,500
- $9,999 |
1.490% |
1.50% |
$10,000
- $19,999 |
1.785% |
1.80% |
$20,000+ |
2.080% |
2.10% |
| All
Money Market accounts under the required minimum
balance earn a dividend rate of 0.499% with
a 0.50% APY. Dividend Rates subject to change. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$35,000
- $49,999 |
2.080% |
2.10% |
$50,000 - $74,999 |
2.276% |
2.30% |
$75,000
- $99,999 |
2.472% |
2.50% |
$100,000
- $149,999 |
2.667% |
2.70% |
$150,000+ |
2.862% |
2.90% |
| All
Money Market accounts under the required minimum
balance earn a dividend rate of 0.499% with a 0.50%
APY. Dividend Rates subject to change. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$0
- $4,999 |
2.716% |
2.75% |
$5,000+ |
2.960% |
3.00% |
| Dividend
Rate subject to change. |
Certificates & IRA Certificates
|
|
Term |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
60
months |
$1,000 |
3.455% |
3.50% |
|
$50,000 |
3.552% |
3.60% |
|
$100,000 |
3.650% |
3.70% |
|
|
|
|
48
months |
$1,000 |
3.455% |
3.50% |
|
$50,000 |
3.552% |
3.60% |
|
$100,000 |
3.650% |
3.70% |
|
|
|
|
36 months |
$1,000 |
3.162% |
3.20% |
|
$50,000 |
3.260% |
3.30% |
|
$100,000 |
3.357% |
3.40% |
|
|
|
|
24 months |
$1,000 |
2.869% |
2.90% |
| |
$50,000 |
2.967% |
3.00% |
| |
$100,000 |
3.065% |
3.10% |
|
|
|
12
months |
$1,000 |
2.771% |
2.80% |
|
$50,000 |
2.869% |
2.90% |
|
$100,000 |
2.967% |
|
***Special |
|
|
|
8
months* |
$1,000 |
3.211% |
3.25% |
|
|
|
|
6
months* |
$1,000 |
2.575% |
2.60% |
| |
$50,000 |
2.673% |
2.70% |
| |
$100,000 |
2.771% |
2.80% |
* 6 and 8 month terms not available for IRA Certificates. A
penalty may be imposed for withdrawals made before
maturity from all Certificates. Dividend
Rates subject to change. Please contact a Member
Services Representative for additional account disclosure
information. |
SPECIAL Step Up Certificate
|
|
Term |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
18 months* |
$1,000 |
3.455% |
3.50% |
The Step Up CD allows you to make a one-time rate change based on the then advertised rate for the same term. When you make the rate change, you may also make an additional deposit to the CD up to the original certificate deposit, not to exceed $50,000.
|
*APY-Annual Percentage Yield-based on checking with direct deposit. Rate will revert to 3.25% APY if no direct deposit during the month. Penalty for early withdrawal.
|
SPECIAL Grow Green Youth
Certificate
|
|
Term |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
Child's 18th birthday* |
$25 |
7.254% |
7.50% |
• Available for Altra members age 12-17
• Term will vary - certificate maturity date is the child's 18th birthday
• $25 minimum deposit required
• Certificate can only be in a child's name
• Only one certificate per child can be opened
• Certificate can be added to at any time, up to the limit of $1,000
|
*Offer available beginning April 21, 2008; Rate subject to change. Penalty of 100% of earned dividendswill be imposed for withdrawal before child's 18th birthday. Additional Youth Certificates that earn Altra's published Certificate rates can be set up under the Uniform Transfer to Minors Act (UTMA) with no maximum.
|
|
|
Term |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
see above |
$250 |
see above |
see above |
For Altra members under age 18. Youth Certificates available
with $250 minimum balance and can be added to at any time; same rates and terms
as $1,000 minimum balance Certificates. See above
section for rates and terms.
|
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$25,000-$74,999
average daily balance |
2.716% |
2.75% |
$75,000 & over
average daily
balance |
2.960% |
3.00% |
| High Rate Savings accounts under the
required minimum balance earn a dividend rate of 0.499%
with a 0.50% APY. Dividends paid monthly. Dividend
Rates subject to change |
IRA
Special Savings Account
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
No
Minimum required |
1.243% |
1.25% |
| Dividend Rates subject to change. |
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$5.00 |
.499% |
.50% |
| $5 required minimum balance represents your share in Altra Federal Credit Union. Dividend
Rate subject to change. |
Special
Savings and Savings Club Accounts
|
|
Minimum
Balance |
Dividend
Rate |
Annual
Percentage Yield |
$0 |
.499% |
.50% |
| Dividend
Rate subject to change. |
|
