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Rates valid as of Monday, April 23, 2018

Deposit Rates

Checking  |  Certificates and IRAs  |  Money Market  |  Savings 

Checking
Product Balance Rate APY*
S3 Checking Prime1 $100 - $24,999.99 0.50% 0.50%
$25,000 or greater 1.04% 1.05%
Certificates and IRAs
Product Balance Rate APY*
12-Month CD Promo2 $1,000 or greater 1.73% 1.75%
18-Month CD Promo2 $1,000 or greater 2.23% 2.25%
30-Month CD Promo2 $1,000 or greater 2.37% 2.40%
3-Month CD $1,000 - $9,999.99 0.15%

0.15%

$10,000 or greater 0.15% 0.15%
6-Month CD $1,000 - $9,999.99 0.20%

0.20%

$10,000 or greater 0.25% 0.25%
9-Month CD $1,000 - $9,999.99 0.30%

0.30%

$10,000 or greater 0.35% 0.35%
12-Month CD $1,000 - $9,999.99 0.40%

0.40%

$10,000 or greater 0.50% 0.50%
18-Month CD $1,000 - $9,999.99 0.50%

0.50%

$10,000 or greater 0.60% 0.60%
24-Month CD $1,000 - $9,999.99 0.60%

0.60%

$10,000 or greater 0.75% 0.75%
36-Month CD $1,000 - $9,999.99 0.15%

0.15%

$10,000 or greater 0.75% 0.75%
48-Month CD $1,000 - $9,999.99 0.99%

0.99%

$10,000 or greater 1.24% 1.25%
60-Month CD $1,000 - $9,999.99 0.99%

0.99%

$10,000 or greater 1.49% 1.50%
Premium IRA: Standard $25 - $4,999.99 0.05%

0.05%

$5,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.15% 0.15%
$100,000 - $249,999.99 0.20% 0.20%
$250,000 and over 0.25% 0.25%
IRA Savings   0.05% 0.05%
Money Market
Product Balance Rate APY*
Ascend Account3 $5,000 - $19,999.99 0.99% 1.00%
$20,000 - $74,999.99 1.09% 1.10%
$75,000 or greater 1.29% 1.30%
Regular Money Market Account4 $0 - $4,999.99 0.05% 0.05%
$5,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.15% 0.15%
$100,000 - $249,999.99 0.35% 0.35%
$250,000 or greater 0.50% 0.50%
Savings
Product Balance Rate APY*
Share Savings $100 or greater 0.05% 0.05%
Holiday Club $100 or greater 0.05% 0.05%
S3 Prime Savings5 $100 or greater 1.44% 1.45%
Grandfathered Accounts
Product Balance Rate APY*
S3 Select Checking 0.00% 0.00%
S3 Rewards Checking6 $500 or greater 0.05% 0.05%
S3 Account7 $0 - $4,999.99 0.05% 0.05%
$5,000 - $24,999.99 0.05% 0.05%
$25,000 - $99,999.99 0.10% 0.10%
$100,000 - $249,999.99 0.20% 0.20%
$250,000 or greater 0.25% 0.25%
Holiday Money Market8 $5,000 - $250,000 1.29% 1.30%
Optimizer Money Market9 $5,000 - $99,999.99 0.15% 0.15%
$100,000 - $499,999.99 0.35% 0.35%
$500,000 or greater 0.50% 0.50%

 

*APY = Annual Percentage Yield. Rates are subject to change without notice. Terms and conditions may apply.  Non-members may join the credit union with a $15 deposit - $5 goes into your savings account to establish membership, and the remaining $10 is a tax-deductible contribution (consult your tax advisor) to our non-profit organization, The VOICE Foundation. Other rates and terms available. Rate is subject to change without notice. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. Government Agency.

1  To earn the stated rate, your S3 Checking Prime account must have a minimum balance of $100 at the end of each statement cycle. Account balance may not exceed $1,030,000.00. Other terms and conditions may apply. Fees may reduce earnings.

Certificate promos require a minimum deposit of $1,000; maximum deposit of $1,000,000. Funds must be new money that has not been on deposit with MHFCU for more than 30 calendar days. Penalty applies for early withdrawal. 

Rates shown require new money that has not been on deposit with McGraw-Hill FCU for more than 30 days. Maximum deposit of $500,000. Funds must be deposited with the credit union between 11/01/2017 and 12/31/2018 to earn promotional rate. $5,000 minimum balance in the Ascend Account to earn interest. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily balances in the account. Fees could reduce earnings on this account. On 01/01/2019, rates will be converted to the traditional Money Market tiered rate structure. Current Money Market yields as of 11/01/2017: Tier 1 - $0 - $4,999.99 (0.05%), Tier 2 - $5,000 -$24,999.99 (0.10%), Tier 3 - $25,000-$99,999.99 (0.15%), Tier 4 - $100,000 - $249,999.99 (0.35%), Tier 5 - $250,000 or more (0.50%). Rates are variable and subject to change without notice at any time. Each tier reflects the current minimum daily balance required; the APY differs depending on balance in the account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. If account is closed within six (6) months of account opening, a $25 fee will be assessed. If your monthly balance drops below $5,000, a $25 fee will be assessed. 

4 If your monthly balance drops below $5,000 there is a $15 fee.

5 Account requires a minimum opening deposit of $100; no maximum deposit. Dividends are based on the average daily balance and are paid monthly. Federal regulations limit the number of electronic and telephone transactions you can make with your S3 Prime Savings to six (6) transfers or withdrawals per monthly statement cycle. If you exceed these limits, a $10 fee per additional withdrawal will be assessed; no more than six (6) fees will be assessed. 

6 Requires a minimum daily deposit of $500 and a qualifying direct deposit of your salary, pension, Social Security, or other regularly scheduled deposits of $500 or more per month electronically deposited to your account to avoid the monthly service fee. 

Minimum monthly direct deposit of $0.01 (one cent) required to earn rate. Accounts not meeting this requirement for the month will earn 0% APY for that statement cycle.

Rates shown require new money that has been on deposit less than 14 calendar days from promo money market open date. Funds must be deposited with the credit union between 10/31/16 and 12/31/18 to earn promotional rate. $5,000 minimum balance to earn interest. Rates are variable and subject to change without notice at any time. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily balances in the account. After 12/31/2018, rates will be converted to a tiered structure. Each tier reflects the current minimum daily balance required; the APY differs depending on balance in the account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. Fees could reduce earnings on this account. Tier 1 - $5,000-$24,999.99 (0.20%), Tier 2 - $25,000-$49,999.99 (0.25%), Tier 3 - $50,000-$99,999.999 (0.65%), Tier 4 - $100,000 - $250,000 (0.80%). Balances $250,000 and over will earn 0.25%. If account is closed within six months of account opening, a $25 fee will be assessed.

Each tier described reflects the current minimum daily balance required; the APY differs depending on balance in the account. When the rates offered within two or more consecutive tiers are the same, this disclosure shows those multiple tiers as a single tier rate. The specific individual tiers are described in the rate sheet for this account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. Fees could reduce earnings on this account. Tier 1 - $5,000-$99,999.99 (0.15%), Tier 2 - $100,000-$499,999.99 (0.35%), Tier 3 - $500,000 and over (0.50%). If account is closed within six months of account opening, a $25 fee will be assessed. If your monthly balance drops below $5,000, a $15 fee will be assessed. 

 

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S Government Agency.

Questions? Ask McClever.

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