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Share/Deposit Account Rates (effective 1/1/14)

Savings Account/Membership Shares & Minor Account*
$10 minimum balance requirement. Dividends are paid quarterly. Dividends and Annual Percentage Yields are based on the total deposit and calculated on the average daily balance. Dividends are based on a split rate as follows:

Balance Rate APY
$0 to $1,000 0.000% 0.00%
$1,001 to $5,000 0.000% 0.00%
$5,001 to $10,000 0.050% 0.05%
$10,001 to $25,000 0.050% 0.05%
$25,001 & Greater 0.050% 0.05%

*Minor Account ~ Ages 13 - 17 years old

Premium Checking
$25 deposit to open with no minimum balance required to maintain the account. Dividends calculated on a daily average balance and paid monthly. Dividends are based on a split rate as follows:

Balance Rate APY
$0 & Greater 0.000% 0.00%

Holiday Club
$5 minimum balance requirement. Dividends calculated on the average daily balance and paid quarterly. Dividends are based on a split rate as follows:

Balance Rate APY
$0 to $249 0.000% 0.00%
$250 & Greater 0.100% 0.10%

Looney Tunes® Kids Club ~ Ages 12 years & under
$5 minimum balance requirement. Dividends are paid quarterly. Dividends and Annual Percentage Yield are based on the total deposit and calculated on the average daily balance

Balance Rate APY
$5 and Above 0.500% 0.50%

 

Share Term Certificate Account Rates

Introductory Certificate*
$500 minimum deposit required.

Term Rate APY
18 Months 0.100% 0.10%

Small Saver Certificate*
$2,000 minimum deposit required.

Term Rate APY
3 Months 0.050% 0.05%
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
24 Months 0.350% 0.35%
36 Months 0.600% 0.60%

T-Bill Certificate*
$10,000 minimum deposit required.

Term Rate APY
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
24 Months 0.350% 0.35%
36 Months 0.600% 0.60%

Jumbo Certificate*
$95,000 minimum deposit required. Dividends can be paid monthly or quarterly. Dividends can be mailed, credited to your Share account or compounded (quarterly only.) There is a 90 day loss of dividends for early withdrawal.

Term Rate APY
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
24 Months 0.350% 0.35%
36 Months 0.600% 0.60%

*Term certificate dividends are paid quarterly and can be mailed, credited to Share accounts or compounded to the share certificate. A penalty in the amount equal to 90 days interest will be charged on all early withdrawals. No additional deposits permitted once the certificate is purchased.

Individual Retirement Account (IRA) Savings
$50 minimum required. Dividends are variable and paid quarterly on an average daily balance. Additions are allowed once the account is open. There is an applicable fee for each IRA withdrawal/transfer unless being transferred to another Printing Industries Credit Union IRA account.

Term Rate APY
Daily Variable 0.300% 0.30%

Individual Retirement Account (IRA) Certificate
$1,000 minimum required. Dividends are paid quarterly. No additional deposits permitted once the certificate is purchased. There is a 90 day loss of dividends on the certificate for each IRA withdrawal/transfer unless being transferred to another Printing Industries Credit Union IRA account.

Term Rate APY
12 Months 0.250% 0.25%
24 Months 0.500% 0.50%
36 Months 0.750% 0.75%
48 Months 1.100% 1.10%
60 Months 1.350% 1.36%