|
CJFCU Rates
Accurate as of 03-19-2008
| SAVINGS |
| |
APR |
APY |
| Regular Savings $100+ |
.25% |
0.2510% |
| Vacation Club 2008 |
1.75% |
1.7797% |
| Holiday Club 2008 |
2.25% |
2.2691% |
| Share Drafts |
0.00% |
0.0000% |
| |
|
|
| Money Market |
|
|
|
Checking Account
4 Withdrawals a month
$1000.00 - $4999.99 |
1.75% |
1.7691% |
| $5000.00+ |
2.00% |
2.0235% |
|
IRA's |
|
|
| Traditional |
Roth |
Education |
0.50%
(Minimum $100.00)
(Rate may change) |
0.50%
|
0.50%
|
| |
|
|
| Certificates |
|
|
| 12 Month Certificates |
2.50% |
2.5398% |
| 24 Month Certificates |
2.40% |
2.4374% |
| 36 Month Certificates |
2.40% |
2.4374% |
| 48 Month Certificates |
2.25% |
2.2839% |
|
60 Month Certificates
(Minimum $500.00)
(Early withdrawal generates penalties) ( .25% higher dividend rate if on Direct Deposit: payroll/social security/ pension)
|
2.00%
|
2.0297% |
|
IRA Certificates |
|
|
|
|
| |
Traditional |
Roth |
Education |
Yield |
| 12 Months |
2.75% |
2.75% |
2.75% |
2.7962% |
| 24 Months |
2.60% |
2.60% |
2.60% |
2.6423% |
| 36 Months |
2.60% |
2.60% |
2.60% |
2.6423% |
| 48 Months |
2.50% |
2.50% |
2.50% |
2.5398% |
60 Months
(Minimum $500.00) (Early withdrawal generates penalties) ( .25% higher dividend rate if on Direct Deposit: payroll/social security/pension) |
2.25% |
2.25% |
2.25% |
2.2839% |
|
|
CJFCU Fees (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. |
