Crescent Credit Union - Deposit Account Rates

Rates Accurate as of

	INTEREST RATE	ANNUAL PERCENTAGE YIELD	MIN. DEPOSIT TO OPEN / EARN APY
CHECKING ACCOUNTS
eRewards Checking* balances $0.01 - $5,000	1.98%	2.00%	$5
eRewards Checking* balances $5,000.01 - $25,000	0.99%	1.00%	$5
eRewards Checking* balances $25,000.01+	0.10%	0.10%	$5
Relationship Checking	0.15%	0.15%	$5
Crescent 62 Checking	0.05%	0.05%	$5

*eRewards Checking APY will depend on the balance in the account. 2nd tier: 2.00% to 1.20% APY (over $5,000 to $25,000). 3rd tier: 1.20% to 0.38% APY (over $25,000). Statement cycle eligibilty requirements: Direct deposit of your net income at least once per monthly statement cycle; electronic delivery of your statements; pay at least one bill per month using our free online bill pay system; make at least 10 “pinless” purchases per month with your Crescent Visa Debit Card.Fees may reduce earnings. If criteria is not met account will earn 0.10% APY regardless of balance. A fee of $5 will be assessed and member pays POS fees, foreign ATM fees and surcharges per statement cycle when requirements are not met.
	INTEREST RATE	ANNUAL PERCENTAGE YIELD	MIN. DEPOSIT TO OPEN AND EARN APY
SAVINGS ACCOUNTS
Savings (Passbook/Statement)	0.10%	0.10%	$5
Club Account	0.10%	0.10%	$1
Money Market	0.15%	0.15%	$2,500
Super Money Market
$2,500 to $24,999.99	0.15%	0.15%	$2,500
$25,000 to $49,999.99	0.20%	0.20%	$25,000
$50,000 to $99,999.99	0.25%	0.25%	$50,000
$100,000 and over	0.30%	0.30%	$100,000
(or balances below $2,500)	0.05%	0.05%	$5
Maximum Money Market
$2,500 to $24,999.99	.20%	.20%	$2,500
$25,000 to $49,999.99	.25%	.25%	$25,000
$50,000 and over	.35%	.35%	$50,000
(for balances below $2,500)	0.05%	0.05%	$5
Maximum Money Market requires a companion checking account with any of the following: (1) Monthly direct deposit or (2) $1,000 minimum daily balance or (3) activated Bill Pay service with three bills paid per statement period.

Rates on accounts listed above may change after the account is opened. Fees on these accounts could reduce earnings.

Certificates of Deposit and IRA Certificates

	REGULAR CERTIFICATES		IRA CERTIFICATES		MINIMUM DEPOSIT TO OPEN
TERM	INT RATE	A.P.Y	INT RATE	A.P.Y	MINIMUM DEPOSIT TO OPEN
91 Days	.20%	.20%	.20%	.20%	$1,000
6 Month	.25%	.25%	.25%	.25%	$1,000
9 Month	.35%	.35%	.35%	.35%	$1,000
1 Year	.40%	.40%	.40%	.40%	$1,000
15 Month	.50%	.50%	.50%	.50%	$1,000
18 Month	.60%	.60%	.60%	.60%	$1,000
2 Years	.75%	.75%	.75%	.75%	$1,000
2 ½ Years	.80%	.80%	.80%	.80%	$1,000
3 Years	.85%	.85%	.85%	.85%	$1,000
4 Years	1.00%	1.00%	1.00%	1.00%	$1,000
5 Years	1.14%	1.15%	1.15%	1.15%	$1,000

All deposits insured in full: National Credit Union Administration (NCUA) and Massachusetts Share Insurance Corp. (MSIC)

Unless otherwise indicated, the minimum deposit for all certificates is $1,000.00. You must maintain a minimum daily balance of $1,000.00 in your Certificate each day to obtain the disclosed annual percentage yield. Early withdrawal penalties may exist on Certificate Accounts. Above rates subject to change without notice.

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