APGFCU Savings Rates

Savings Rates

Regular Shares

Checking

IRA's

Certificates

Jumbo Certificates

Money Market

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Savings Rates

Effective November 17, 2009 - All Rates Subject to Change without Notice.
Fees could reduce earnings in the account.

Regular Shares	Dividend Rate	Annual Percentage Yield
Minimum Balance $5	0.55%	0.55%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Regular Share rates are effective as of the 1st of the current month.
DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

Checking	Dividend Rate	Annual Percentage Yield
No Minimum Balance	0.25%	0.25%

Certificates & IRAs

	Certificates & IRAs	Minimum Balance	Dividend Rate	Annual Percentage Yield
	60-month	$100	2.97%	3.00%
	60-month Super Certificate	$25,000	3.21%	3.25%
	60-month For Benefit Builder Silver Only	$100	3.09%	3.13%
	60-month For Benefit Builder Gold Only	$100	3.21%	3.25%
	48-month	$100	2.48%	2.50%
	48-month Super Certificate	$25,000	2.72%	2.75%
	48-month For Benefit Builder Silver Only	$100	2.60%	2.63%
	48-month For Benefit Builder Gold Only	$100	2.72%	2.75%
	36 Month Senior Certificate For MyTimes Only	$100	2.38%	2.40%
	30-month	$100	2.33%	2.35%
	30-month Super Certificate	$25,000	2.58%	2.60%
	24-month	$100	2.23%	2.25%
	24-month Super Certificate	$25,000	2.48%	2.50%
	18-month	$100	2.13%	2.15%
	12-month	$100	1.89%	1.90%
	6-month	$100	1.44%	1.45%

Coverdell IRA's are not eligible for the $25,000 minimum balance tier May be a penalty for early withdrawal on all certificates.

Step-Up Certificates & IRAs	Minimum Balance	Dividend Rate	Annual Percentage Yield
45-month	$100	2.13%	2.15%
25-month	$100	1.89%	1.90%
May be a penalty for early withdrawal on all certificates.

Super Certificates & IRAs	Minimum Balance	Dividend Rate	Annual Percentage Yield
60-month	$25,000	3.21%	3.25%
48-month	$25,000	2.72%	2.75%
30-month	$25,000	2.58%	2.60%
24-month	$25,000	2.48%	2.50%
Coverdell IRA's are not eligible for the $25,000 minimum balance tier. May be a penalty for early withdrawal on all certificates.

Jumbo Certificates	Minimum Balance	Dividend Rate	Annual Percentage Yield
12-month	$50,000	1.94%	1.95%
6-month	$50,000	1.49%	1.50%
3-month	$50,000	0.60%	0.60%
May be a penalty for early withdrawal on all certificates.

Money Market Accounts

Money Market Accounts	Minimum Balance	Dividend Rate	Annual Percentage Yield
Tiered Money Market Minimum Balance $2,500 $10 monthly fee if balance falls below $2,500	$2,500 to $14,999.99	0.60%*	0.60%
	$15,000 to $24,999.99	0.70%*	0.70%
	$25,000 to $49,999.99	0.85%*	0.85%
	$50,000 to $99,999.99	1.00%*	1.00%
	$100,000 and above	1.19%*	1.20%
Tiered Money Market IRA Minimum Balance $100 Subject to state and federal rules & penalties, as applicable	$100 to $14,999.99	0.60%*	0.60%
	$15,000 to $24,999.99	0.70%*	0.70%
	$25,000 to $49,999.99	0.85%*	0.85%
	$50,000 to $99,999.99	1.00%*	1.00%
	$100,000 and above	1.19%*	1.20%

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