ANNUAL PERCENTAGE YIELDS are effective for the month of February, 2012
We are constantly striving to maintain competitive rates. Please let us know if you find a
rate higher than what we are offering on Term Shares (Certificates of Deposit). We may be able to match it.
Balance Of
Annual Dividend Rate Annual
Percentage Yield
$ 1,000 - 2,499 .05% .05%
2,500 - 19,999 .15% .15%
20,000 - 49,999 .30% .30%
50,000 - 99,999 .40% .40%
100,000 & over .50% .50%
Dividends are calculated daily, paid quarterly.
Balances below $1,000.00 do not earn dividends.
Term Annual Rate *APY **APY Dividends Paid
MAY BE AS HIGH AS
3 Months .10% .10% 1.10% At maturity
6 Months .20% .20% 1.20% At maturity
12 Months .40% .40% 1.40% Quarterly & maturity
18 Months .50% .50% 1.50% Quarterly & maturity
24 Months .60% .60% 1.60% Quarterly & maturity
36 Months .75% .75% 1.76% Quarterly & maturity
48 Months 1.00% 1.00% 2.01% Quarterly & maturity
5 Years 1.25% 1.25% 2.26% Quarterly & maturity
6 Years 1.50% 1.50% 2.52% Quarterly & maturity
10 Years 1.75% 1.76% 2.77% Quarterly & maturity
ANNUAL PERCENTAGE YIELDS are in effect for new certificates issued during the week of
1/31/2012
through 2/06/2012.All Term Shares have a minimum balance of $500 for adult
members 18 years or older. Children under the age of 18 have a minimum
deposit of $100.
**Loyalty rates are available based on services used which include
MONEY MARKET, IRA, SD(Checking), MM/ATM, HOP (Handi On-line Pay), E-Statement, DIRECT
DEPOSIT, AUTO LOAN, HOME EQUITY LOAN, MORTGAGE LOAN, RV LOAN, BOAT LOAN, LINE OF
CREDIT, or VISA.
1.00% maximum loyalty rate. Services used must be up-to-date/current
for the loyalty rate to be calculated.
Certificates issued for $100,000 or more will earn .25% above the rates
listed for terms of 1 year or longer.
A penalty may be imposed for early withdrawal.
These rates are also effective for IRA Term Shares.
Balance of Annual Dividend Rate Annual Percentage Yield (APY)
$10.00 - $5,009.99 .05% .05%
$5,010.00 - $10,009.99 .15% .15%
$10,010.00 or more .25% .25%
A $10 minimum deposit required to open the account & to obtain the stated APY.
A minimum of $10 is required to maintain your share account.
Dividends are calculated daily and paid quarterly
A minimum balance of $10 must be maintained in another share account
.05% Annual Dividend Rate, .05% Annual Percentage Yield. Dividends are
calculated daily and paid monthly.
.05% Annual Dividend Rate, .05% Annual Percentage Yield
Dividends are calculated daily and paid quarterly
.15% Annual Dividend Rate for balances below $1,000, .15% Annual
Percentage Yield; .30% Annual Dividend Rate for balances $1,000 and
over, .30% Annual Percentage Yield.
Dividends are calculated daily and paid quarterly
These rates may change on a monthly basis. Any fees incurred may reduce earnings.
 Return to SVDCU Services
This Credit Union is federally insured by the National Credit Union Administration.
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