| IRA Certificates - rates declared effective 12/22/08 |
| Account |
Min. Balance |
Nominal Rate |
Yield/APY ** |
Dividends Paid |
| 12 months |
$500.00 |
2.87% |
2.90% |
quarterly |
| 24 months |
$500.00 |
2.97% |
3.00% |
quarterly |
| 36 months |
$500.00 |
3.46% |
3.50% |
quarterly |
| 48 months |
$500.00 |
3.70% |
3.75% |
quarterly |
| 60 months |
$500.00 |
3.94% |
4.00% |
quarterly |
| Flexible IRA Certificates - rates declared effective 12/01/08 |
| (includes Traditional, Roth, and CESA IRAs) |
Balance Range
for Dividends |
Nominal Rate |
Yield/APY ** |
Dividends Paid |
| $100.00 to $4,999.00 |
2.13% |
2.15% |
monthly |
| $5,000.00 to $9,999.00 |
2.32% |
2.35% |
monthly |
| $10,000.00 or more |
2.57% |
2.60% |
monthly |
| *minimum balance of $100 must be maintained to earn dividends |
| Special IRA Certificate - rates declared effective 12/04/08 |
|
| Account |
Min. Balance |
Min. Amt.
to Add-On |
Nominal Rate |
Yield/APY ** |
Dividends Paid |
| 30 month Bump Rate |
$2500.00 |
n/a |
3.21% |
3.25% |
quarterly |
| 1 year Add-On |
$100.00 |
$25.00 |
2.87% |
2.90% |
quarterly |
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| Note: The Bump-Up Certificate may be bumped to the current rate being paid on CUA's 24-month certificates once during the initial term. |
|
** APY = Annual Percentage Yield
