Rates/Fees
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Current Dividend Rates
Rates effective April 01, 2014 through April 30, 2014
Type of Account Minimum Balance
to Earn Dividends*
Dividend Rate** APY*
 Access Accounts
Regular Share Accounts (S1) $5 0.50% 0.50%
urMoney (S2)***
Maximum age for maintaining an account is
22-1/2 year old, 26-1/2 years old with
paperless eStatements
$0 - $1,000.00
$1,000.01 and Over
6.00%
0.50%
6.18%
3.34%
APY over $1,000 is based 
on a $2,000 balance 
Holiday Savings Club Accounts (S25)
$25 - $10,000.00
$10,000.01 and Over
0.75%
0.50%
0.75%
0.50%
Hi Yield eChecking Account (S7)
Account must be opened via banner in Home Banking; requires paperless eStatements to open and maintain the account
$0 - $25,000.00
$25,000.01 and Over
0.75%
0.50%
0.75%
0.50%
Checking Accounts (S8)
$0 - $9,999.99
0.35% 0.35%
Checking Accounts (S8)
$10,000 and above
0.50% 0.50%
Money Market Plus (S9)
$2,500 - $49,999.99
0.70% 0.70%
Money Market Plus (S9)
$50,000 and above
0.70% 0.70%
 Term Share (Certificate) and IRA Term Share (Certificate) Accounts
6 - 11 months (180 to 364 days)****
$1,000
0.90% 0.90%
12 - 17 months (365 to 546 days)****
$1,000
1.05% 1.06%
18 - 23 months (547 to 729 days)
$1,000
1.10% 1.11%
24 - 35 months (730 to 1094 days)
$1,000
1.30% 1.31%
36 - 47 months (1095 to 1459 days)
$1,000
1.50% 1.51%
48 - 59 months (1460 to 1824 days)
$1,000
1.70% 1.71%
60 months (1825 days)
$1,000
2.00% 2.02%
 Term Share (Certificate) and Jumbo IRA Term Share (Certificate) Accounts
6 - 11 months (180 to 364 days)
$50,000
0.90% 0.90%
12 - 17 months (365 to 546 days)
$50,000
1.05% 1.06%
18 - 23 months (547 to 729 days)
$50,000
1.10% 1.11%
24 - 35 months (730 to 1094 days)
$50,000
1.30% 1.31%
36 - 47 months (1095 to 1459 days)
$50,000
1.50% 1.51%
48 - 59 months (1460 to 1824 days)
$50,000
1.70% 1.71%
60 months (1825 days)
$50,000
2.00% 2.02%
IRA Share Account
$100 minimum balance required
no minimum to earn dividends
0.70% 0.70%

 

* Minimum Daily Balance required to earn the stated APY (APY = Annual Percentage Yield).

** All dividends are compounded daily and credited monthly and at maturity. Certificate accounts closed before maturity are subject to penalties as shown in the Certificate Account Agreement and Disclosure Statement. APYs assume dividends remain on deposit until maturity. All rate subject to change without notice.

*** After the age requirement expires or if the account is changed back to receiving paper statements all funds and dividends will be transferred to the S1 account. urMONEY is not available on custodial accounts.

**** A one-time additional deposit can be made to the regular 6 to 17 month Certificate Accounts, only in an amount no greater than the original deposit. The term and rate will not change with this deposit

Kid's Club Regular Certificate Accounts may be opened with a minimum balance of $250.00. One Certificate Account per Child's account. Must be under the age of 18.

For additional rate information, you may call 24 hours a day at (800) 222-1226

  F&A Federal Credit Union
  2625 Corporate Place, Monterey Park, CA 91754
  TEL: 1-800-222-1226 | webservices@fafcu.org