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RatesCertificates & IRAsFixed Rate CertificatesRates effective March 4, 2010| Account Type | Minimum Account Balance | Dividend Rate | Annual Percentage Yield | | | 6 Month Term | $1,000 | 1.15% | 1.15% | | | | 12 Month Term | $1,000 | 1.55% | 1.56% | | | | 18 Month Term | $1,000 | 1.70% | 1.71% | | | | 24 Month Term | $1,000 | 1.85% | 1.86% | | | | 36 Month Term | $1,000 | 2.25% | 2.27% | | | | 48 Month Term | $1,000 | 2.50% | 2.52% | | | | 60 Month Term | $1,000 | 2.75% | 2.78% | | | The Wedding Registry
12 Month Term | $0 | 1.80% | 1.81% | | |
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IRAsRates effective January 21, 2010| Account Type | Minimum Account Balance | Dividend Rate | Annual Percentage Yield | | | 12 Month Term | $1,000 | 1.25% | 1.25% | | | | 24 Month Term | $1,000 | 1.50% | 1.51% | | | | 36 Month Term | $1,000 | 1.85% | 1.86% | | | | 48 Month Term | $1,000 | 2.20% | 2.22% | | | | 60 Month Term | $1,000 | 2.45% | 2.47% | | |
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Wealth Builder IRA Share CertificatesRates effective January 21, 2010| Account Type | Minimum Account Balance | Dividend Rate | Annual Percentage Yield | | | 12 Month Term | $1,000 | 1.65% | 1.66% | | | | 24 Month Term | $1,000 | 2.00% | 2.01% | | | | 36 Month Term | $1,000 | 2.35% | 2.37% | | | | 48 Month Term | $1,000 | 2.70% | 2.73% | | | | 60 Month Term | $1,000 | 2.95% | 2.99% | | |
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Variable Rate IRA CertificatesRates effective January 21, 2010| Account Type | Minimum Account Balance | Dividend Rate | Annual Percentage Yield | | | 12 Month Term | $500 | 1.70% | 1.71% | | | | 18 Month Term | $25 | 1.95% | 1.96% | | | | 24 Month Term | $500 | 2.05% | 2.06% | | |
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1. Fees could reduce earnings on the account.
2. The Annual Percentage Yields (APY) are accurate as of the
date shown above.
3. A penalty will be imposed for early withdrawal on Share
Certificate Accounts and IRA's that indicate an early
withdrawal penalty.
4. Membership in Central Maine FCU requires a $25.00
membership share account.
5. All IRA's are assessed a $10 closing fee when the account is
closed.
6. Rate premiums on fixed rate Share Certificates and eligible
IRA Share Certificates:
** ten (10) basis points for Member's Choice if in the program as of
the opening date;
** ten (10) basis points for new (currently being opened or renewed)
Share Certificate/IRA balance of $100,000 or greater. This premium
will be rempved if withdrawals reduce the individual Certificate or
IRA below $100,000.
** Maximum combined rate premium is twenty (20) basis points and rate premiums willnot automatically occur at renewal. It is the responsibility of the member to request eligible premiums at time of renewal.
No Rate premiums are permitted on Fixed Rate IRA Certificates, Variable Rate IRA Certificates and the Wedding Registry Fixed Rate Share Certificate.
Dividend rates subject to change without notice
Your savings Federally Insured to $250,000 by NCUA (National Credit Union Administration) - A U.S. Government Agency
CheckingChecking AccountsRates effective December 1, 2009| Account Type | Minimum Account Balance | Minimum Dividend Balance | Dividend Rate | Annual Percentage Yield | | | Value Checking | $0 | N/A | 0.00% | 0.00% | | | | Value Plus Checking (1) | $0 | $500.00 | 0.10% | 0.10% | | | | Cash Management (2) | $0 | $500.00 | 0.25% | 0.25% | | | | | $0 | $5,000.01 | 0.50% | 0.51% | | | | | $0 | $50,000.01 | 0.75% | 0.76% | | | | Advantage Plus Checking (3) | $0 | $1,000.00 | 0.10% | 0.10% | | | | | $0 | $10,000.01 | 0.25% | 0.25% | | | | Business Checking (4) | $0 | N/A | 0.00% | 0.00% | | | | Active Checking | $0 | N/A | 0.00% | 0.00% | | | | Health Savings Checking | $0 | $100.00 | 0.25% | 0.25% | | | | | $0 | $1,000.00 | 1.00% | 1.01% | | | | | $0 | $10,000.00 | 1.00% | 1.01% | | | | e-Checking (5) | $0 | $1,000.01 | 0.50% | 0.51% | | | | | $0 | $10,000.01 | 0.75% | 0.76% | | | | | $0 | $25,000.01 | 1.00% | 1.01% | | | | | $0 | $50,000.01 | 1.25% | 1.25% | | | | | $0 | $100,000.01 | 1.25% | 1.26% | | | (1) $3 Monthly Fee if average daily balance falls below $100.
(2) $6 Monthly Fee if average daily balance falls below $5000.
(3) Requires Direct Deposit & $10,000 in Savings Balances.
(4) $7 Monthly Fee.
(5) Requires e-statements and direct deposit of net pay, A/C will be transferred to value checking if requirements are not met.
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