49er FCU Home Share Rates

Credit Union Buletin:

Happy 48th Birthday to 49er Federal Credit Union (1964-2012).

Rates are subject to change. Current as of 02/01/2012.

Share Accounts:

Account Type	APR	APY*	Min. Required to Earn Dividends
Regular Shares	0.10 %	0.10 %	$ 100.00
Christmas Club	0.10 %	0.10 %	$ 100.00
Money Market	0.10 %	0.10 %	$ 2,000.00 to $19,999.99
	0.30 %	0.30 %	$20,000.00 to $99,999.99
	0.40 %	0.40 %	$100,000.00 and Over
Checking	0.05 %	0.05 %	$ 500.00

*APY = Annual Percentage Yield
For all accounts dividends are paid from current income and available earning, after required transfers to reserves at the end of a dividend period. Fees and other conditions could reduce earnings on any of the listed accounts. The Dividend Rate and APY on share accounts may change every quarter as determined by the Credit Union's Board of Directors. The Dividend Rate and APY on checking accounts may change monthly as determined by the Credit Union's Board of Directors. For current Dividend Rates and APYs, please call the Credit Union at 530-621-5878 or 800-621-5878.

Ira Accounts:

Deposit Amount	APR	APY*
$.01 to $5,000.00	0.25 %	0.25 %
$5,000.01 to $10,000.00	0.30 %	0.30 %
$10,000.01 to $20,000.00	0.35 %	0.35 %
$20,000.01 and Over	0.50 %	0.50 %

*APY = Annual Percentage Yield

Regular Certificates:

Minimum $1,000	APR / APY*
6 months	0.25 %
1 Year	0.30 %
2 Years	0.65 %
3 Years	1.05 %

*APY = Annual Percentage Yield
Certificates automatically renew with a 10-day grace period. A penalty may be imposed for early withdrawal. Dividends are paid at maturity date. The applicable Dividend Rates and APYs set forth above would be paid for the length of the term listed.

Jumbo Certificates:

Minimum $20,000	APR / APY*
30 Days	0.25 %
60 Days	0.25 %
90 Days	0.25 %
6 Months	0.30 %
1 Year	0.35 %
2 Years	0.80 %
3 Years	1.15 %

*APY = Annual Percentage Yield.

Certificates automatically renew with a 10-day grace period. A penalty may be imposed for early withdrawal. Dividends are paid monthly into a primary share account or at maturity date. The applicable Dividend Rates and APYs set forth above would be paid for the length of the term listed.

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