Deposit Rates :: Bay Cities CU

The annual percentage yields quoted are accurate as of 01/01/14.
Your rate may change after the account is opened and fees may reduce earnings on your account.

Share Accounts
Money Market (S5)
Checking
Star Certificates
IRA (S20) & Roth (S21) Shares
IRA & Roth Certificates

Share Accounts
$25 Minimum Balance, $100 to earn Dividends**
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
Share Savings (S1), Vacation Club (S14), & Holiday Account (S15) $100-$1,000	Daily	Daily Compounded	0.02%	0.02%
Share Savings (S1) Vacation Club (S14), & Holiday Account (S15) $1,001-$5,000	Daily	Daily Compounded	0.02%	0.02%
You Name It Club (S14), & Holiday Account (S15) Share Savings (S1) $5,001-$10,000**	Daily	Daily Compounded	0.02%	0.02%
Share Savings (S1) Vacation Club (S14), & Holiday Account (S15) $10,001+**	Daily	Daily Compounded	0.02%	0.02%

Money Market (S5)
$1000 Minimum Balance to earn Dividends. Fees incurred could reduce the earnings on this account.
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
Money Market $1,000-$4,999	Daily	Daily Compounded	0.25%	0.250%
Money Market $5,000-$9,999	Daily	Daily Compounded	0.35%	0.351%
Money Market $10,000-$24,999	Daily	Daily Compounded	0.45%	0.451%
Money Market $25,000-$49,999	Daily	Daily Compounded	0.55%	0.552%
Money Market $50,000-$99,999	Daily	Daily Compounded	0.65%	0.652%
Money Market $100,000+	Daily	Daily Compounded	0.75%	0.753%

Checking
Dividends are paid monthly based on the Daily Average Balance of $1,000. Fees incurred could reduce the earnings on this account.
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
Dividend Checking (S2) $1,000-$4,999	Daily	Daily Compounded	0.02%	0.02%
Dividend Checking (S2) $5,000-$9,999	Daily	Daily Compounded	0.02%	0.02%
Dividend Checking (S2) $10,000-$24,999	Daily	Daily Compounded	0.02%	0.02%
Dividend Checking (S2) $25,000-$49,999	Daily	Daily Compounded	0.02%	0.02%
Dividend Checking (S2) $50,000-$99,999	Daily	Daily Compounded	0.02%	0.02%
Dividend Checking (S2) $100,000+	Daily	Daily Compounded	0.02%	0.02%

Star Certificates
$2,000 Minimum Balance. A penalty may be imposed for early withdrawal.
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
3 month (I54M)	Daily	Daily Compounded
$2,000-$4,999			1.21%	1.217%
$5,000-$9,999			1.25%	1.258%
$10,000-$24,999			1.35%	1.359%
$25,000-$49,999			1.50%	1.511%
$50,000-$99,999			1.75%	1.765%
$100,000+			1.80%	1.816%
6 month (I55)	Daily	Daily Compounded
$2,000-$4,999			1.46%	1.471%
$5,000-$9,999			1.50%	1.511%
$10,000-$24,999			1.60%	1.613%
$25,000-$49,999			1.75%	1.765%
$50,000-$99,999			2.50%	2.531%
$100,000+			2.80%	2.840%
12 month (I56)	Daily	Daily Compounded
$2,000-$4,999			1.71%	1.725%
$5,000-$9,999			1.75%	1.765%
$10,000-$24,999			1.85%	1.867%
$25,000-$49,999			2.00%	2.020%
$50,000-$99,999			2.97%	3.014%
$100,000+			3.21%	3.262%
18 month (I57)	Daily	Daily Compounded
$2,000-$4,999			1.81%	1.826%
$5,000-$9,999			1.85%	1.867%
$10,000-$24,999			1.95%	1.969%
$25,000-$49,999			2.10%	2.122%
$50,000-$99,999			3.07%	3.118%
$100,000+			3.31%	3.365%
24 month (I58)	Daily	Daily Compounded
$2,000-$4,999			1.91%	1.928%
$5,000-$9,999			1.95%	1.969%
$10,000-$24,999			2.05%	2.071%
$25,000-$49,999			2.20%	2.224%
$50,000-$99,999			3.17%	3.221%
$100,000+			3.40%	3.458%
36 month (I59)	Daily	Daily Compounded
$2,000-$4,999			2.31%	2.337%
$5,000-$9,999			2.35%	2.378%
$10,000-$24,999			2.16%	2.378%
$25,000-$49,999			2.30%	2.327%
$50,000-$99,999			2.30%	2.327%
$100,000+			3.45%	3.510%

IRA (S20) & Roth (S21) Shares
$25 Minimum Balance A penalty may be imposed for early withdrawal.
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
Accumulation IRA Savings $100-$1,000	Daily	Daily Compounded	0.02%	0.02%
Accumulation IRA Savings $1,001-$5,000	Daily	Daily Compounded	0.02%	0.02%
Accumulation IRA Savings $5,001-$10,000	Daily	Daily Compounded	0.02%	0.02%
Accumulation IRA Savings $10,001+	Daily	Daily Compounded	0.02%	0.02%

IRA & Roth Certificates
$1,000 Minimum Balance A penalty may be imposed for early withdrawal.
Account Description	Account Terms	Dividend Calculation	Dividend Rate	APY*
3 month (I64/I74)	Daily	Daily Compounded
$1,000-$4,999			1.21%	1.217%
$5,000-$9,999			1.25%	1.258%
$10,000-$24,999			1.35%	1.359%
$25,000-$49,999			1.50%	1.511%
$50,000-$99,999			1.75%	1.765%
$100,000+			1.80%	1.816%
6 month (I65/I75)	Daily	Daily Compounded
$1,000-$4,999			1.46%	1.471%
$5,000-$9,999			1.50%	1.511%
$10,000-$24,999			1.60%	1.613%
$25,000-$49,999			1.75%	1.765%
$50,000-$99,999			2.50%	2.531%
$100,000+			2.80%	2.840%
12 month (I66/I76)	Daily	Daily Compounded
$1,000-$4,999			1.71%	1.725%
$5,000-$9,999			1.75%	1.765%
$10,000-$24,999			1.85%	1.867%
$25,000-$49,999			2.00%	2.020%
$50,000-$99,999			2.97%	3.014%
$100,000+			3.21%	3.262%
18 month (I67/I77)	Daily	Daily Compounded
$1,000-$4,999			1.81%	1.826%
$5,000-$9,999			1.85%	1.867%
$10,000-$24,999			1.95%	1.969%
$25,000-$49,999			2.10%	2.122%
$50,000-$99,999			3.07%	3.118%
$100,000+			3.31%	3.365%
24 month (I68/I78)	Daily	Daily Compounded
$1,000-$4,999			1.91%	1.928%
$5,000-$9,999			1.95%	1.969%
$10,000-$24,999			2.05%	2.071%
$25,000-$49,999			2.20%	2.224%
$50,000-$99,999			3.17%	3.221%
$100,000+			3.40%	3.458%
36 month (I69/I79)	Daily	Daily Compounded
$1,000-$4,999			2.31%	2.337%
$5,000-$9,999			2.35%	2.378%
$10,000-$24,999			2.16%	2.183%
$25,000-$49,999			2.30%	2.327%
$50,000-$99,999			2.30%	2.327%
$100,000+			3.45%	3.510%

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Each member account is Federally Insured to at least $250,000; Traditional and Roth Individual Retirement Accounts are insured separately to $250,000.

*APY = Annual Percentage Yield

**The APY is accurate as of the last dividend declaration date.

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