CURRENT RATES

Auto | 2.24 % APR*

Home Equity | 3.99 % APR*

Money Market | .15 % APY**

CD's | 1.26% APY**

Loan Rates | Savings Rates | Fees

*as low as | **as high as

COMMUNITY

Monday
Jan032011

Laclede Community Credit Union gives you many ways to save...

Share account rates are set the first of the month and are subject to change each month.


SHARE ACCOUNTS (SAVINGS ACCOUNTS)

RATE | 0.05%

Minimum balance required to keep this account open is $10.00. There are no monthly fees. You can have an ATM card attached to this account, have direct deposits made from your employer, and use our free internet banking. Dividends are paid quarterly on 3/31, 6/30, 9/30, 12/31. Contact the Credit Union for full terms and conditions.


 

 SHARE DRAFT ACCOUNTS (CHECKING ACCOUNTS)

RATE | 0.000%

 A Laclede Community Credit Union checking account is free and simple to open. When you open a checking account with us it includes:

Minimum balance required to keep this account open is $0.01. There are no monthly fees. You can have an ATM/Debit card attached to this account, checks can be ordered in many styles to suit your taste and needs. You can setup direct deposits from your employer or automatic deductions for your bills, and make full use of our free internet banking. Contact the Credit Union for full terms and conditions.


 

MONEY MARKET ACCOUNTS

Money Market account rates are set the first of the month and are subject to change each month.

RATES BASED ON ENDING DAILY BALANCE

$1,000.00 minimum | $1,000 to $4,999 - .10% | $5,000 to $24,999 - .10% |

$25,000 to $49,999 - .10% | $50,000.00 to 100,000 .15%

A minimum balance of $1000.00 is required to earn the divident rate. There are no monthly fees on this account. No more then 4 withdrawals a month are permited without penalty. If more than four withdrawals are performed a month there will be a $5.00 fee per transaction. Dividends are based upon the average daily balance and are paid monthly. Rates are subject to change each month. Contact the Credit Union for full terms and conditions.

As our other savings programs, money market accounts are insured by the NCUA, which is a governmental agency and insures your accumulated deposits from your accounts up to $100,000.

 


 

CHRISTMAS CLUB

RATE | 0.05%

This account is designed to help you save for Christmas a little at a time so the season doesn't sneak up on you. There are no minimum balances required for this account. Dividends are paid quarterly then a check is cut and mailed to you after the dividend posting on the last day of September. Contact the Credit Union for full terms and conditions.


 

SHARE CERTIFICATE (CD'S)

Dividends are paid quarterly and can be deposited to the CD or to another account per your request. Once established you cannot deposit money into this account until it matures. Early withdrawal results in a penalty of 90 days dividends on CD terms 6 months to 2 years, and 180 days dividends on CD terms 3 to 5 years. Contact the Credit Union for full terms and conditions.

RATES

Term

Minimum balance

Dividend rate

Annual percentage yield

6 month

$2500.00

 0.05%

 0.05%

1 year

$1000.00

 0.20%

 0.20%

2 year

$1000.00

 0.50%

 0.50%

3 year

$1000.00

 0.80%

 0.80%

4 year

$1000.00

 1.10%

 1.11%

5 year

$1000.00

 1.25%

 1.26%