certificate

Share Certificate Account Rates
Rates effective: September 1, 2015

6 Month 12 Month 24 Month 36 Month 48 Month 60 Month
Dividend Rate 0.15% 0.20% 0.30% 0.40% 0.55% 1.15%
Annual Percentage Yield (APY) 0.15% 0.20% 0.30% 0.40% 0.55% 1.16%
Divided Compounded Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly
Dividend Credited Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity
Minimum Opening Balance $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

IRA Certificate Account Rates
Rates effective: September 1, 2015

12 Month 24 Month 36 Month 48 Month 60 Month
Dividend Rate 0.20% 0.30% 0.40% 0.55% 1.15%
Annual Percentage Yield (APY) 0.20% 0.30% 0.40% 0.55% 1.16%
Divided Compounded Quarterly Quarterly Quarterly Quarterly Quarterly
Dividend Credited Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity Quarterly and at Maturity
Minimum Opening Balance $1,000 $1,000 $1,000 $1,000 $1,000

Rates are accurate and effective as of the date indicated above. Some account limitations apply; please refer to the Membership and Account Agreement and other disclosures given at account opening. Rates are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earning. If you have
any questions or require current rate and/or fee information on your account, please Contact Us.

Virginia Educators Credit Union