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The rates and fees contained in this Schedule are accurate as of May 1, 2008. For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges which apply to your Certificates of Deposit at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *A penalty for early withdrawal may be assessed.*
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TRUTH-IN-SAVINGS RATE SCHEDULE
|
| Certificate of Deposit |
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Minimum Balance
Requirements |
|
| 91 day |
2.30%
|
2.32%
|
$1,000 to open |
|
| 6 month |
2.50%
|
2.53%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 12 month |
2.80%
|
2.84%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
|
| 18 month |
3.00%
|
3.04%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 24 month |
3.00%
|
3.04%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 30 month |
3.00%
|
3.04%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 36 month |
3.10%
|
3.14%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 48 month |
3.20%
|
3.25%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 60 month |
3.35%
|
3.40%
|
$10,000 to open
$10,000 to obtain disclosed APY |
|
| 12 month Step-Up |
2.65%
|
2.68%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 91 day Mini Jumbo |
2.45%
|
2.47%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 6 month Mini Jumbo |
2.65%
|
2.68%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 12 month Mini Jumbo |
2.95%
|
2.99%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 18 month Mini Jumbo |
3.15%
|
3.20%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 24 month Mini Jumbo |
3.15%
|
3.20%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 30 month Mini Jumbo |
3.15%
|
3.20%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 36 month Mini Jumbo |
3.25%
|
3.30%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 48 month Mini Jumbo |
3.35%
|
3.40%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 60 month Mini Jumbo |
3.50%
|
3.56%
|
$25,000 to open
$25,000 to obtain disclosed APY |
|
| 91 day Jumbo |
2.50%
|
2.53%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 6 month Jumbo |
2.90%
|
2.94%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 12 month Jumbo |
3.00%
|
3.04%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 18 month Jumbo |
3.20%
|
3.25%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 24 month Jumbo |
3.20%
|
3.25%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 30 month Jumbo |
3.20%
|
3.25%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 36 month Jumbo |
3.30%
|
3.35%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 48 month Jumbo |
3.40%
|
3.45%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 60 month Jumbo |
3.55%
|
3.61%
|
$90,000 to open
$90,000 to obtain disclosed APY |
|
| 12 month IRA |
2.80%
|
2.84%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 24 month IRA |
3.00%
|
3.04%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 36 month IRA |
3.10%
|
3.14%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 48 month IRA |
3.20%
|
3.25%
|
$1,000 to open
$1,000 to obtain disclosed APY |
|
| 12 month IRA Step-Up |
2.65%
|
2.68%
|
$1,000 to open
$1,000 to obtain disclosed APY |
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