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	0.22%	0.2202%
Money Market $5,000-$9,999	Daily	Daily Compounded	0.27%	0.2704%
Money Market $10,000-$24,999	Daily	Daily Compounded	0.32%	0.3205%
Money Market $25,000-$49,999	Daily	Daily Compounded	0.37%	0.3707%
Money Market $50,000-$99,999	Daily	Daily Compounded	0.42%	0.4209%
Money Market $100,000+	Daily	Daily Compounded	0.47%	0.4711%

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			1.20%	1.207%
$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			1.77%	1.786%
$5,000-$9,999			1.87%	1.888%
$10,000-$24,999			2.00%	2.020%
$25,000-$49,999			2.52%	2.552%
$50,000-$99,999			2.62%	2.655%
$100,000+			2.72%	2.757%
12 month (I56)	Daily	Daily Compounded
$2,000-$4,999			2.30%	2.327%
$5,000-$9,999			2.40%	2.429%
$10,000-$24,999			2.55%	2.583%
$25,000-$49,999			3.00%	3.045%
$50,000-$99,999			3.10%	3.148%
$100,000+			3.22%	3.272%
18 month (I57)	Daily	Daily Compounded
$2,000-$4,999			2.42%	2.449%
$5,000-$9,999			2.51%	2.542%
$10,000-$24,999			3.02%	3.066%
$25,000-$49,999			3.16%	3.210%
$50,000-$99,999			3.27%	3.324%
$100,000+			3.39%	3.448%
24 month (I58)	Daily	Daily Compounded
$2,000-$4,999			2.52%	2.552%
$5,000-$9,999			2.61%	2.644%
$10,000-$24,999			3.12%	3.169%
$25,000-$49,999			3.26%	3.314%
$50,000-$99,999			3.37%	3.427%
$100,000+			3.49%	3.551%
36 month (I59)	Daily	Daily Compounded
$2,000-$4,999			2.62%	2.655%
$5,000-$9,999			2.71%	2.747%
$10,000-$24,999			3.22%	3.272%
$25,000-$49,999			3.36%	3.417%
$50,000-$99,999			3.47%	3.531%
$100,000+			3.59%	3.655%

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			1.20%	1.207%
$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			1.77%	1.786%
$5,000-$9,999			1.87%	1.888%
$10,000-$24,999			2.00%	2.020%
$25,000-$49,999			2.52%	2.552%
$50,000-$99,999			2.62%	2.655%
$100,000+			2.72%	2.757%
12 month (I66/I76)	Daily	Daily Compounded
$1,000-$4,999			2.30%	2.327%
$5,000-$9,999			2.40%	2.429%
$10,000-$24,999			2.55%	2.583%
$25,000-$49,999			3.00%	3.045%
$50,000-$99,999			3.10%	3.148%
$100,000+			3.22%	3.272%
18 month (I67/I77)	Daily	Daily Compounded
$1,000-$4,999			2.42%	2.449%
$5,000-$9,999			2.51%	2.542%
$10,000-$24,999			3.02%	3.066%
$25,000-$49,999			3.16%	3.210%
$50,000-$99,999			3.27%	3.324%
$100,000+			3.39%	3.448%
24 month (I68/I78)	Daily	Daily Compounded
$1,000-$4,999			2.52%	2.552%
$5,000-$9,999			2.61%	2.644%
$10,000-$24,999			3.12%	3.169%
$25,000-$49,999			3.26%	3.314%
$50,000-$99,999			3.37%	3.427%
$100,000+			3.49%	3.551%
36 month (I69/I79)	Daily	Daily Compounded
$1,000-$4,999			2.62%	2.655%
$5,000-$9,999			2.71%	2.747%
$10,000-$24,999			3.22%	3.272%
$25,000-$49,999			3.36%	3.417%
$50,000-$99,999			3.47%	3.531%
$100,000+			3.59%	3.655%

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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