Savings and Certificate Rates

Savings Rates

Effective Date: 03/01/2010
AccountAnnual Percentage Yield Dividend RateMinimum Opening Balance Minimum to Earn Dividends
Savings 0.20% 0.20% $25 $100
Money Mammals (11 & Under) 1.00% 1.00% $10 —
Money Maker
$0–$9,999 0.35% 0.35% — —
$10,000–$24,999 0.60% 0.60% — —
$25,000–$49,999 0.65% 0.65% — —
$50,000–$99,999 0.75% 0.75% — —
$100,000–$149,999 0.85% 0.85% — —
$150,000+ 0.95% 0.95% — —
IRA Accumulator 0.35% 0.35% $100 $100
Regular Checking 0.00% 0.00% — —
Super Checking 0.10% 0.10% — —

The rates appearing in this Schedule are accurate and effective for Savings and Checking Accounts as of the Effective Date indicated above. Rates may change on variable rate accounts after the account is opened. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please contact the Credit Union at (541) 858-7328.

Certificate Rates

Effective Date: 03/10/2010
Minimum Opening Balance $2,000 or more $25,000 or more $100,000 or more
  Annual Percentage Yield Dividend Rate Annual Percentage Yield Dividend Rate Annual Percentage Yield Dividend Rate
6 Month 1.05% 1.05% 1.15% 1.15% 1.26% 1.25%
12 Month 1.26% 1.25% 1.36% 1.35% 1.46% 1.45%
24 Month 1.91% 1.90% 2.02% 2.00% 2.12% 2.10%
36 Month 2.27% 2.25% 2.37% 2.35% 2.47% 2.45%
48 Month 2.63% 2.60% 2.73% 2.70% 2.83% 2.80%
60 Month 3.09% 3.05% 3.19% 3.15% 3.29% 3.25%
72 Month 3.19% 3.15% 3.29% 3.25% 3.39% 3.35%
Add-On Certificates
Minimum Opening Balance $100 or more $5,000 or more
  Annual Percentage Yield Dividend Rate Annual Percentage Yield Dividend Rate
Small Savers 12 Month * 1.05% 1.05% — —
1st Time Homebuyers 12 Month * 1.05% 1.05% — —
Special 24 Month * — — 1.26% 1.25%

* Add-On Certificate Features:

  1. The Small Saver's Certificate can be added on to in minimum deposits of $100.
  2. The 1st Time Homebuyers Certificate can be added on to in minimum deposits of $100. Rogue Federal will contribute $500 towards closing costs on a Rogue Federal home loan if the loan is closed within six months of certificate maturity or the certificate has been open for at least three months. The early withdrawal penalty will be waived if member uses the proceeds of certificate to purchase a home before the 12 months are up (certificate must be open at least 7 days and check must be payable to lender or title company to waive early withdrawal penalty).
  3. The 24 Month Special Certificate can be added on to in minimum deposits of $500. For 24 Month Special Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed for the first year. After the first year, you may elect to adjust the Dividend Rate once to the current Dividend Rate offered for 24 Month Special Certificate accounts. Thereafter, the Dividend Rate is fixed until maturity.
The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Penalties may apply for early withdrawals.

The rates appearing in this Schedule are accurate and effective for the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please contact the Credit Union at (541) 858-7328.