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Rate Sheet
Effective Date: 08/01/2010 |
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Savings |
|
|
Nominal Dividend Rate |
Annual Percentage Yield |
|
Regular Savings $100 + |
.15% |
0.1501% |
|
Vacation Club 2010 (matures) |
1.50% |
1.5085% |
|
Holiday Club 2010 (matures) |
1.50% |
1.5085% |
|
Share Drafts |
0.00% |
0.0000% |
|
IRA's |
|
Traditional |
.40% |
|
|
Roth |
.40% |
|
|
Education |
.40% |
|
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Money Market Account (only 4 withdrawals allowed per month) |
|
$1000.00-$4999.99 |
.75% |
0.7618% |
|
$5000.00 + |
.75% |
0.7618% |
Certificates (Minimum $500.00) *.25 % higher dividend rate with full DIRECT DEPOSIT: payroll/social security/pension .25% higher dividends if enrolled in eStatements |
|
12 Month Certificates |
*0.75% |
0.7618% |
|
24 Month Certificates |
*1.00% |
1.0125% |
|
36 Month Certificates |
*1.50% |
1.5085% |
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48 Month Certificates |
*1.75% |
1.7615% |
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60 Month Certificates |
*2.00% |
2.0151% |
|
IRA Certificates (Minimum $500.00) *.25 % higher dividend rate with full DIRECT DEPOSIT: payroll/social security/pension .25% higher dividends if enrolled in eStatements |
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Traditional |
Roth |
Education |
Yield |
|
12 Months |
*1.00% |
1.00% |
1.00% |
1.0125% |
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24 Months |
*1.25% |
1.25% |
1.25% |
1.2559% |
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36 Months |
*1.75% |
1.75% |
1.75% |
1.7615% |
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48 Months |
*2.00% |
2.00% |
2.00% |
2.0151% |
|
60 Months |
*2.25% |
2.25% |
2.25% |
2.2839% |
Fees Schedule (as of February 1, 2008)
| Account Analysis |
$30.00 (per hour) |
| AMEX Cards |
$3.95 |
| AMEX Travelers Cheques |
1% of $100.00 |
| Click n' Pay (Online Bill Pay) |
FREE |
| Cashier's Check |
$2.50 |
| Certified Check |
$10.00 |
| Check Mailing |
$1.50 (FREE via CU@HOME) |
| Copy of Member Draft |
$7.00 |
| CU@HOME (Online Banking) |
FREE |
| Dormant Account |
$10.00* |
| Holiday/Vacation Club (Early Withdrawal of Closing) |
$25.00 |
| Levy/ Garnishment Processing |
$30.00 |
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Money Order (up to $1,500.00) |
$1.50 |
| Notary |
FREE |
| NSF Member Share Draft/ EFT Debit |
$30.00 |
| Original Member Draft |
$7.00 (up to 90 days) |
| Overdrawn Account Fees |
$25.00 |
| Printout of Account |
$3.00 per page (FREE via CU@HOME) |
| Return Deposited Check |
$25.00 |
| Return Mail |
$3.00 |
| Stop Payment on CJFCU Draft (Lost or Stolen) |
$15.00 |
| Stop Payment on Member Draft/ EFT Debit |
$30.00 |
| Visa Check\Credit Card Replacement |
$10.00 per replacement |
| Wire Transfer (Domestic) |
$15.00 |
| Wire Transfer (International) |
$30.00 |
| ATM monthly Usage Fee** |
$0.75 cents per transaction |
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* Share Savings Accounts with no activity for 1 year will be charged a $10.00 fee each month until the account reaches a $ 0 (zero) balance. At that time, the account will be closed.
** The Credit Union charges a $0.75 cents per ATM withdrawal per month after the 10'th ATM withdrawal (The first 10 ATM withdrawls in a month are free).
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