| Term | APR* | APY** |
|---|---|---|
| 6 Months | .10% | .10% |
| 9 Months | 3.93% | 4.00% |
| 11 Months*** Special | 3.83% | 3.90% |
| 1 Year | .15% | .15% |
| 13 Month | 3.69% | 3.75% |
| 18 Months | 3.46% | 3.50% |
| 2 Years | .35% | .35% |
| 3 Years | 2.47% | 2.50% |
| 4 Years | .45% | .45% |
| 5 Years | .50% | .50% |
| Dividends will be compounded every month and credited to your account every month. $1,000 minimum balance required. The certificate will automatically renew on the maturity date. You will have 10 days after the maturity date to withdraw funds without penalty. A substantial penalty is imposed if certificate funds other than dividends are withdrawn before the maturity dates. If the maturity of this certificate is 30 days to 1 year, the forfeiture is an amount equal to 90 days dividends. If the maturity of this certificate is more than 1 year, the forfeiture is an amount equal to 180 days dividends. You will have 20 days from maturity date to withdraw funds penalty free. *APR=Annual percentage rate. ** APY=Annual percentage yield. ***11 month certificate starting rate will be corresponding APY from above chart, even if opened after chosen football team has recorded victories, APY will then increase (10 basis points) 0.10% APY with each subsequent selected football team victory after opening date. Dividends will be compounded and paid monthly. Substantial penalty for early withdrawal before maturity date. Dividend rate will be adjusted the Monday following a win of chosen University football team. APY will remain on certificate from the last win by a selected University's football team as displayed above for the remaining term of the CD. Certificates will automatically renew on maturity date. Offer good for initial term only and is only good for consumer certificates. BCFCU reserves the right to end promotion at any time. *** | ||
| Account Type | APR* | APY** |
|---|---|---|
| Savings ($5.00 - $4,999.99) | .02% | .02% |
| Savings ($5,000 - $24,999.99) | .05% | .05% |
| Savings ($25,000 - $49,999.99) | .10% | .10% |
| Savings ($50,000 or more) | .15% | .15% |
| Special Savings ($4,999.99 or less) | .20% | .20% |
| Special Savings ($5,000 - $24,999.99) | .30% | .30% |
| Special Savings ($25,000 - $49,999.99) | .40% | .40% |
| Special Savings ($50,000 or more) | .50% | .50% |
| Student Saver Club*** ($1,000 or less) | 7.72% | 8.00% |
| Christmas Club *** ($2,500 or less) | 2.47% | 2.50% |
| Vacation Club *** ($2,500 or less) | 2.47% | 2.50% |
| ***Club accounts earn 0.20% APY on balances over the limit amount listed above. This will be a blended rate when the balance exceeds the limit amount listed. Student Saver club will transfer to sub share on 8/1, Christmas Club on 11/1 and Vacation Club on 5/1 of each year. Dividends calculated using average daily balance method. Dividends will be compounded monthly and credited to your account monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure of the Student Saver, Christmas, and/or Vacation Club accounts. | ||
| Account Type | APR* | APY** |
|---|---|---|
| Checking (Minimum Average Monthly Balance of $500 to Earn Interest) | .02% | .02% |
| IRA Share ($4,999.99 or Less) | .15% | .15% |
| IRA Share ($5,000 - $24,999.99) | .30% | .30% |
| IRA Share ($25,000 - $49,999.99) | .45% | .45% |
| IRA Share ($50,000 or more) | .55% | .55% |
| Money Market ($4,999.99 of less) | .20% | .20% |
| Money Market ($5,000 - $24,999.99) | .30% | .30% |
| Money Market ($25,000 - $49,999.99) | .40% | .40% |
| Money Market ($50,000 or more) | .50% | .50% |
| Business Money Market ($4,999.99 or less) | .30% | .30% |
| Business Money Market ($5,000 - $9,999.99) | .40% | .40% |
| Business Money Market ($10,000 or more) | 4.41% | 4.50% |
| Dividends calculated using average daily balance method. Dividends will be compounded monthly and credited to your account monthly. Checking account requires a minimum average monthly balance of $500 to earn interest. Money Market requires a minimum balance of $1,000. Business Money Market requires a minimum monthly balance of $1,000.00. | ||
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