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Dividend Rates - Tucoemas Federal Credit Union

Rates

TUCOEMAS FCU offers competitive dividend rates on all our savings and deposit instruments. 

Dividend Rates

Effective as of April 1st, 2017

REGULAR SHARE SAVINGS ACCOUNTS / UNIFORM GIFT TO MINORS (Suffix 01, 20, 23)
Share Account Term Tiered rate account Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$250.00
0.05%
0.05%
Monthly
$ 25
$ 250
$10,000.00
0.05%
0.05%
Monthly
$ 25
$ 250
$25,000.00
0.08%
0.08%
Monthly
$ 25
$ 250
$50,000.00
0.10%
0.10%
Monthly
$ 25
$ 250
$75,000.00
0.10%
0.10%
Monthly
$ 25
$ 250
$100,000 - Up
0.10%
0.10%
Monthly
$ 25
$ 250
Secured Visa Share Savings(Suffix 11)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$250.00 - $1,200.00
0.05%
0.05%
Monthly
Refer to secured VISA agreement
$ 250
SPECIAL SHARE ACCOUNTS (Suffix 02, 03, 04, Vacation/05, 08, Holiday Account/09)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$250.00
0.05%
0.05%
Monthly
$ 5
$ 250
$10,000.00
0.05%
0.05%
Monthly
$ 5
$ 250
$25,000.00
0.08%
0.08%
Monthly
$ 5
$ 250
$50,000.00
0.10%
0.10%
Monthly
$ 5
$ 250
$75,000.00
0.10%
0.10%
Monthly
$ 5
$ 250
$100,000 - Up
0.10%
0.10%
Monthly
$ 5
$ 250
MONEY ACTION ACCOUNTS (Suffix 24, 25, 26)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
Share Type 24
0.05%
0.05%
Weekly
$ 2,500
$ 2,500
Share Type 25
0.10%
0.10%
Weekly
$ 5,000
$ 5,000
Share Type 26
0.15%
0.15%
Weekly
$ 20,000
$ 20,000
CHECKING / SHARE DRAFT ACCOUNTS (Suffix 75, 76, 77)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
Premier, Senior Premier, and ATM
0.07%
0.07%
Monthly
$ 100
$ 1,500
CHECKING / SHARE DRAFT ACCOUNTS (Suffix 70)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
Direct Deposit
N/A
N/A
N/A
$ 100
N/A
SHELTERED DEFERRED COMPENSATION ACCOUNTS
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$10.00
0.60%
0.60%
Monthly
$ 10
$ 10
IRA DAILY ACCOUNT - Traditional, Education, Roth, Roth Rollover (Suffix 82, 84, 86, 88)
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$100.00
0.10%
0.10%
Monthly
$ 5
$ 100
$10,000.00
0.10%
0.10%
Monthly
$ 5
$ 100
$25,000.00
0.10%
0.10%
Monthly
$ 5
$ 100
$50,000.00
0.25%
0.25%
Monthly
$ 5
$ 100
IRA SHARE CERTIFICATES - Traditional, Education, Roth, Roth Rollover (Suffix 80, 81, 83, 85, 87, 89, 91, 92, 95, 97 )
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
6 & 12 Month Certificates
 
$500.00
0.15%
0.15%
Monthly
$500
$500
$5,000.00
0.35%
0.35%
Monthly
$5,000
$5,000
$10,000.00
0.45%
0.45%
Monthly
$10,000
$10,000
$100,000.00
0.50%
0.50%
Monthly
$100,000
$100,000
30 Month Certificate      
$500.00
0.20%
0.20%
Monthly
$500
$500
$10,000.00
0.50%
0.50%
Monthly
$10,000
$10,000
$100,000.00
0.60%
0.60%
Monthly
$100,000
$100,000
SHARE CERTIFICATES
Share Account Term Nominal Annual Dividend Rate Annual Percentage Yield (APY)** Frequency of Compounding Minimum Opening Balance Minimum to Earn Dividend
$500.00
 
6 Month
0.12%
0.12%
Monthly
$500
$500
12 Month
0.12%
0.12%
Monthly
$500
$500
24 Month
0.24%
0.24%
Monthly
$500
$500
$2,500.00
6 Month
0.16%
0.16%
Monthly
$2,500
$2,500
12 Month
0.20%
0.20%
Monthly
$2,500
$2,500
24 Month
0.35%
0.35%
Monthly
$2,500
$2,500
30 Month
0.35%
0.35%
Monthly
$2,500
$2,500
$10,000.00          
6 Month
0.25%
0.25%
Monthly
$10,000
$10,000
12 Month
0.30%
0.30%
Monthly
$10,000
$10,000
24 Month
0.35%
0.35%
Monthly
$10,000
$10,000
30 Month
0.35%
0.35%
Monthly
$10,000
$10,000
$50,000.00          
6 Month
0.27%
0.27%
Monthly
$50,000
$50,000
12 Month
0.30%
0.30%
Monthly
$50,000
$50,000
24 Month
0.40%
0.40%
Monthly
$50,000
$50,000
30 Month
0.40%
0.40%
Monthly
$50,000
$50,000
$100,000.00          
6 Month
0.30%
0.30%
Monthly
$100,000
$100,000
12 Month
0.35%
0.35%
Monthly
$100,000
$100,000
24 Month
0.45%
0.45%
Monthly
$100,000
$100,000
30 Month
0.45%
0.45%
Monthly
$100,000
$100,000

Federally Insured by NCUA

 

Disclosure

Truth in Savings


APY is Annual Percentage Yield. The rates quoted above are accurate for the effective date indicated. *Rates subject to change at anytime at the discretion of the Board of Directors. **The APY is based on the assumption that minimum balance and other requirements will be met. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the actual conditions are different from the above assumptions. The method of calculating dividend rates is disclosed in the Truth in Savings Disclosure Supplement. Applicable fees could reduce the earnings on the account. NOTE: The 8 month certificate will be renewed at the current 6 month rate in each category. The 9 month, 15 month, 18 month certificates will be renewed at the current 12 month rate in each category. For Second Chance share certificate, your account will not automatically renew. Withdrawals of funds prior to maturity, other than dividends, will be assessed a forfeiture of the lesser of 90 days dividends on the amount withdrawn or all dividends on the amount withdrawn, since the date the certificate was issued or last renewed. Minimum penalty is $15.00.

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Tucoemas Federal Credit Union | Email:eservice@tucoemas.org
Visalia (559) 732-8892 | Tulare (559) 685-8892 | Porterville (559) 784-8892
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Tucoemas Federal Credit Union is a BBB Accredited Credit Union in Visalia, CA
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