This rate schedule states rates applicable to specific accounts and fees common to all accounts. This schedule is incorporated as part of your account agreement with the S.F. Bay Area Educators Credit Union.
For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts were offered with in the most recent seven calendar days and were accurate as of 4/18/2013. Members can call 415-664-4313 for current information. Please note that that is a maximum of $50,000 per account for share certificates.
| Account Name |
Rate Type |
Minimum Opening Balance |
Minumum to Earn Dividend |
Dividend Rate |
Annual Percentage Yield |
Dividend Declare Date |
| Regular Shares |
Variable |
$25 |
$500 |
|
|
4/18/13 |
| 500-4,999.99 |
|
|
|
0.05% |
0.05% |
|
| 5,000-9,999.99 |
|
|
|
0.05% |
0.05% |
|
| 10,000-over |
|
|
|
0.05% |
0.05% |
|
|
|
| IRA Shares |
Variable |
$100 |
$500 |
Roth/Trad IRA's |
|
04/18/13 |
| Share |
|
|
|
|
|
|
| 500-9,999.99 |
|
|
|
0.10% |
0.10% |
|
| 10,000-29,999.99 |
|
|
|
0.10% |
0.10% |
|
| 30,000-over |
|
|
|
0.10% |
0.10% |
|
|
**Maximum $75,000 per account for both new and renewing share certificates.
|
| 12 Month Share Certificate Fixed Rate |
|
$5,000 |
0.15% |
0.15% |
4/18/2013 |
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*90 day interest penalty for early withdrawal of certificate funds
Members' accounts are insured by NCUA, a federal agency, up to $250,000.00
