|
Rate Sheet
Effective Date: 4.01.2009 |
Savings
|
|
Nominal Dividend Rate
|
Annual Percentage Yield
|
Regular Savings $100 +
|
.25%
|
0.2510%
|
Vacation Club 2009 |
1.50%
|
1.5100%
|
Holiday Club 2009 |
1.75%
|
1.7797%
|
Share Drafts
|
0.00%
|
0.0000%
|
IRA’s |
Traditional
|
.50%
|
|
Roth
|
.50%
|
|
Education
|
.50%
|
|
Money Market Account (only 4 withdrawals allowed per month) |
$1000.00-$4999.99
|
1.000%
|
1.0046%
|
$5000.00 +
|
1.250%
|
1.2680%
|
Certificates (Minimum $500.00) *.25 % higher dividend rate with full DIRECT DEPOSIT: payroll/social security/pension
|
12 Month Certificates
|
*2.25%
|
2.2839%
|
24 Month Certificates
|
*3.25%
|
3.2652%
|
36 Month Certificates
|
*3.50%
|
3.5304%
|
48 Month Certificates
|
*3.75%
|
3.7705%
|
60 Month Certificates
|
*4.00%
|
4.0255%
|
IRA Certificates (Minimum $500.00) *.25 % higher dividend rate with full DIRECT DEPOSIT: payroll/social security/pension
|
|
Traditional
|
Roth
|
Education
|
Yield
|
12 Months
|
*2.50%
|
2.50%
|
2.50%
|
2.5398%
|
24 Months
|
*3.50%
|
3.50%
|
3.50%
|
3.5304%
|
36 Months
|
*3.75%
|
3.75%
|
3.75%
|
3.7652%
|
48 Months
|
*4.00%
|
4.00%
|
4.00%
|
4.0255%
|
60 Months
|
*4.25%
|
4.25%
|
4.25%
|
4.2785%
|
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 |
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 |
* 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 monthly fee of .75 cents per ATM transaction usage. However, we allow 10 free transactions per month and begin charging after the 10th transaction.
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