Certificates and IRAs

Annual Percentage Yields (APY) as of October 1, 2014

Certificates and IRAs can be automatically renewed. Annual percentage yields (APYs) subject to change. Early withdrawal penalty: 90 days dividends on 3-12 month terms, 180 days on 18-24 month terms, 365 days on 36-60 month term, Health Savings Accounts and IRAs. Dividends are calculated on a daily balance, and credited and compounded monthly. Dividend rates and APYs may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings. Rates/APY subject to change.

Deposit Amount Basic MVP*
Level
Silver MVP*
Level
Gold MVP*
Level
TERM COMPOUNDED MINIMUM BALANCE TO OPEN & EARN APY Dividend Rate APY Dividend Rate APY Dividend Rate APY
3 month @ Maturity $5,000 0.10% 0.10% 0.25% 0.25% 0.45% 0.45%
6 month Monthly $1,000 0.20% 0.20% 0.35% 0.35% 0.55% 0.55%
12 month Monthly $1,000 0.45% 0.45% 0.60% 0.60% 0.80% 0.80%
18 month Monthly $1,000 0.55% 0.55% 0.70% 0.70% 0.90% 0.90%
24 month Monthly $1,000 0.65% 0.65% 0.80% 0.80% 1.00% 1.00%
36 month Monthly $1,000 0.90% 0.90% 1.05% 1.06% 1.25% 1.26%
36 month
Step-Up
Monthly $5,000 0.65% 0.65% 0.80% 0.80% 1.00% 1.00%
48 month Monthly $1,000 1.15% 1.16% 1.30% 1.31% 1.50% 1.51%
60 month Monthly $1,000 1.40% 1.41% 1.55% 1.56% 1.75% 1.76%
18 month
Fixed Rate IRA
Monthly $500 0.60% 0.60% 0.75% 0.75% 0.95% 0.95%
60 month
Fixed Rate IRA
Monthly $500 1.35% 1.36% 1.50% 1.51% 1.70% 1.71%
18 month Variable
Rate IRA
Daily $50 0.60% 0.60% < Rate and APY same
on all MVP levels.
12 month
Fixed Rate Health Savings
Monthly $500 0.40% 0.40% 0.55% 0.55% 0.75% 0.75%

*Reach Membership Value Pricing (MVP) Level with direct deposit into an active WESTconsin personal checking account and $15,000 in balances for Silver, or $30,000 or a first mortgage real estate loan for Gold.

Amounts over $250,000 are subject to WESTconsin Credit Union's discretion.

Please contact us about fees, terms or for more information about any of these accounts.

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