RATES AND TERMS EFFECTIVE SEPTEMBER 20, 2011 RATES AND TERMS EFFECTIVE SEPTEMBER20, 2011 "STEP UP" OPTION AVAILABLE FOR 2, 3 & 5 YEAR CERTIFICATES & IRAS (EXCEPT JUMBOS) 1. $25.00 minimum balance required to keep account active and avoid $2.00 monthly low balance fee. NOTE: Each member account federally insured up to $100,000 by the National Credit Union Share Insurance Fund (NCUSIF). IRA's are additionally insured up to $250,000 by NCUSIF. Substantial penalty for early withdrawal of Share Certificates. Early withdrawal of IRA Share Certificates also incur an IRS tax penalty. Complete terms and conditions available at any AFFCU branch or you may call (410) 584-7474 or 1-800-505-7476. ALL DIVIDEND RATES SUBJECT TO CHANGE SHARE CERTIFICATE RATES BASED ON THE AVERAGE TOP 10 REPORTING FINANCIAL INSTITUTIONS IN THE MID-ATLANTIC STATES AS PROVIDED BY EXPRESSDATA CORP.Savings Rates
Account Type Minimum Deposit Interest Paid On Annual Dividend Rate Effective Annual Yield Compounded and Paid Share Savings Account(1) $25.00 $100.00+ 0.25% 0.25% Monthly Club Savings Account NONE $100.00+ 0.25% 0.25% Monthly Money Market Account(2) $500.00 $500.00+ 0.50% 0.50% Monthly
Share Certificates & IRA
Certificate Type and Term Minimum Deposit Annual Dividend Rate Effective Annual Yield Compounded and Paid 3 Month Share Certificate $500 0.50% 0.50% Monthly 6 Month Share Certificate $500 0.60% 0.60% Monthly 1 Year Share Certificate $500 1.00% 1.00% Quarterly 2 Year Share Certificate $1,000 N/A N/A Quarterly 3 Year Share Certificate $1,000 N/A N/A Quarterly 5 Year Share Certificate $2,500 N/A N/A Quarterly Easy Way (IRA Acct) (3) $100 0.50% 0.50% Monthly 1 Year IRA Certificate (4) $100 1.00% 1.00% Quarterly 2 Year IRA Certificate (4) $100 N/A N/A Quarterly 3 Year IRA Certificate (4) $100 N/A N/A Quarterly 5 Year IRA Certificate (4) $100 N/A N/A Quarterly 1 Year Jumbo Certificate $50,000 1.24% 1.25% Quarterly 2 Year Jumbo Certificate $50,000 n/a n/a Quarterly 3 Year Jumbo Certificate $50,000 n/a n/a Quarterly 5 Year Jumbo Certificate $50,000 n/a n/a Quarterly
2. $5.00 low balance fee if balance falls below $500.00 any time during the month.
3. Includes Traditional, Roth and Educational IRAs
