Dividend Rates Effective March 15, 2019

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Share Accounts

 

Savings accountRateAPY*
$25.00 - $999.990.05%0.05%
$1,000.00 - $9,999.990.15%0.15%
$10,000 and up0.20%0.20%

*APY = Annual Percentage Yield

 


 

Holiday Clubs

 

Holiday ClubsRateAPY*
$0.01 and up0.20%0.20%

*$10.00 early withdrawal fee before October 1st

*APY = Annual Percentage Yield


 

Share Certificates

 

TermMinimum investmentRateAPY*Rate**APY**
90 days$5000.05%0.05%0.80%0.80%
6 months$5000.10%0.10%0.85%0.85%
1 year$5002.10%2.10%n/an/a
18 months$5002.75%2.75%n/an/a
3 years$5002.85%2.85%n/an/a
5 years$5003.00%3.00%n/an/a

12 month, 18 month, 3 year and 5 year CD’s do not qualify for Create Your Rate Program!

Penalty for early withdrawal of certificates less than 3 years: 30 days interest.
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.

*APY = Annual Percentage Yield

**Rate/APY = Could be as high as with entire paycheck (pension/SS Direct Deposited), e-Statements and aggregate of $20,000 or more in Share Certificates with UHS Employees Federal Credit Union.

 


 

Lucky Savers

 

TermMinimum investmentRateAPY*Rate**APY**
12 months$25.000.15%0.15%0.90%0.90%

Penalty for first early withdrawal: $25.00. Penalty for second early withdrawal (closure required): $25.00.

*APY = Annual Percentage Yield

**Rate/APY = Could be as high as with entire paycheck (pension/SS Direct Deposited), e-Statements and aggregate of $20,000 or more in Share Certificates with UHS Employees Federal Credit Union.

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Truth in Savings Disclosures About Your Account

  • The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
  • Dividends are paid from current income and available earnings after required transfers  to reserves at the end of the dividend period.
  • The Dividend Period is the period of time at the end of which an account earns dividend credit.  The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
  • For share accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
  • Unless otherwise stated for a specific type of account, in order for your account to earn dividends you must have an actual account balance of at least $25.00.  If your balance falls below $25.00 you will not earn any dividends during that dividend period. Dividends are compounded monthly and credited monthly on balances of $25.00 or more based on average daily balance in your account.  If you withdraw funds from your account before dividends are paid  you will receive dividends accrued on the funds prior to withdrawal, but such dividend will not be credited to your account until the next dividend declaration date.
  • For share savings, no more than six (6) preauthorized, automatic, or telephone transfers may be made to another account of yours or to a third party. All such transfers may be subject to a fee, pursuant to the Credit Unions Fee Sheet. For a Holiday Club, the entire balance will be transferred to your share draft or share account after October 1st and the account will remain open. If you withdraw any of the account balance from a Holiday Club at any time we may impose a fee of $10.00.
  • We will not send you notice of any changes in the dividend rate or APY applicable to any account where the dividend is subject to change from time to time, although notice of changes in dividend rates will be posted on the Credit Union’s website. Also, no notice of changes to fees for printing of share drafts will be sent. In addition, where there is any  change in the information disclosed in this statement, the change will appear in a notice posted on our website.