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MSU Federal Credit Union | Rates | Certificate & IRA
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Certificate & IRA Certificate Rates as of 04/24/2014  
last updated Saturday, April 19, 2014 08:30 AM EDT

Certificate

APY

Dividend Rate

Minimum Balance

Valid Thru

3-Month Certificate or IRA-HSA (3-5 Months)

0.200%

0.200%

$500.00

04/25/14

6-Month Certificate or IRA-HSA (6-11 Months)

0.300%

0.300%

$500.00

04/25/14

13-23 Months Certificate or IRA-HSA

0.500%

0.499%

$500.00

04/25/14

1-Year Add-On Certificate or IRA-HSA

0.500%

0.499%

$50.00

04/25/14

2-Year Certificate or IRA-HSA (24-35 Months)

0.600%

0.598%

$500.00

04/25/14

2-Year Certificate or IRA-HSA (24-35 Months) Jumbo

0.850%

0.848%

$100,000.00

04/25/14

3-Year Certificate or IRA-HSA (36-47 Months)

1.000%

0.995%

$500.00

04/25/14

3-Year Certificate or IRA-HSA (36-47 Months) Jumbo

1.250%

1.245%

$100,000.00

04/25/14

4-Year Certificate or IRA-HSA (48-59 Months)

1.250%

1.243%

$500.00

04/25/14

4-Year Certificate or IRA-HSA (48-59 Months)**

1.500%

1.493%

$500.00

04/25/14

4-Year Certificate or IRA-HSA (48-59 Months) Jumbo

1.500%

1.493%

$100,000.00

04/25/14

4-Year Certificate or IRA-HSA (48-59 Months) Jumbo**

1.760%

1.743%

$100,000.00

04/25/14

5-Year Certificate or IRA-HSA

1.600%

1.588%

$500.00

04/25/14

5-Year Certificate or IRA-HSA**

1.850%

1.838%

$500.00

04/25/14

5-Year Certificate or IRA-HSA Jumbo

1.850%

1.838%

$100,000.00

04/25/14

5-Year Certificate or IRA-HSA Jumbo**

2.110%

2.088%

$100,000.00

04/25/14


**Promotional rate reflects 0.25 of a percentage point added on to standard certificate rate. Offer valid through April 30, 2014.

Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.

All other early withdrawals:
One year or less: Results in penalty equal to 90 days dividends based on amount withdrawn.
More than one year: Results in penalty equal to 180 days dividends based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover this amount. The above penalties will not be charged in cases of withdrawal due to disability or after death of an owner of this Certificate.