APGFCU Savings Rates

Savings Rates

Regular Shares

Checking

IRA's

Certificates

Jumbo Certificates

Money Market

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Savings Rates

Effective January 31, 2012- All Rates Subject to Change without Notice. Fees could reduce earnings in the account.

Regular Shares	Dividend Rate	Annual Percentage Yield
Minimum Balance $5	0.25%	0.25%

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	0.10%	0.10%

Certificates & IRAs

Regular & Youth (21 & under):	Dividend Rate	Annual Percentage Yield
$100 Minimum	Dividend Rate	Annual Percentage Yield
6 to 11 months	0.35%	0.35%
12 to 17 months	0.45%	0.45%
18 to 23 months	0.60%	0.60%
24 to 29 months	0.75%	0.75%
30 to 47 months	0.95%	0.95%
48 to 59 months	1.44%	1.45%
60 to 83 months	2.03%	2.05%
84 months	2.48%	2.50%
Super: $25,000 Minimum**
24 to 29 months	1.00%	1.00%
30 to 47 months	1.19%	1.20%
48 to 59 months	1.69%	1.70%
60 to 83 months	2.28%	2.30%
84 months	2.72%	2.75%
**Coverdell IRA's are not eligible for the $25,000 minimum balance tier.
Step-Up: $100 Minimum
25 month Step-Up	0.65%	0.65%
45 month Step-Up	1.05%	1.05%
Jumbo: $50,000 Minimum
3 to 5 months	0.20%	0.20%
6 to 11 months	0.35%	0.35%
12 months	0.45%	0.45%
May be a penalty for early withdrawal on all certificates.

Certificates

MyTimes: $100 Minimum	Dividend Rate	Annual Percentage Yield
36 Months	1.10%	1.10%
May be a penalty for early withdrawal on all certificates.

Certificates

Silver: $100 Minimum	Dividend Rate	Annual Percentage Yield
48 to 59 months	1.57%	1.58%
60 to 83 months	2.16%	2.18%
84 months	2.60%	2.63%
Gold: $100 Minimum
48 to 59 months	1.69%	1.70%
60 to 83 months	2.28%	2.30%
84 months	2.72%	2.75%
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	0.25%*	0.25%
	$15,000 to $24,999.99	0.30%*	0.30%
	$25,000 to $49,999.99	0.35%*	0.35%
	$50,000 to $99,999.99	0.35%*	0.35%
	$100,000 and above	0.35%*	0.35%
Tiered Money Market IRA Minimum Balance $100 Subject to state and federal rules & penalties, as applicable	$100 to $14,999.99	0.25%*	0.25%
	$15,000 to $24,999.99	0.30%*	0.30%
	$25,000 to $49,999.99	0.35%*	0.35%
	$50,000 to $99,999.99	0.35%*	0.35%
	$100,000 and above	0.35%*	0.35%

Educator Rewards Summer Savings Account

Minimum Balance	Dividend Rate	Annual Percentage Yield
$0 to $10,000.00	1.24%	1.25%
$10,000.01 and above	0.25%	0.25%

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