Savings, Holiday Club and Checking Rates  

IRA

Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals. An Education IRA enables parents and others to deposit $2000 per year to be used for educational purposes. Earnings grow tax-free if you meet the income requirements.  


Share Rates

Account Type	Amount	Current APY
Regular Shares	$0 - $99.99 $100 - $5,000.00 $5,000.01+	0.00% 0.20% 0.40%
HolidayAccounts		0.20%

Rates as of 7/1/2010, but are subject to change.

Regular and IRA Share Certificates 
 
Share Certificate Rate Schedule
The rates and terms applicable to your account(s) at FFCU are provided in this schedule. We may offer other rates for these accounts from time to time. All accounts listed are share accounts. Last Dividend Declaration Date: 7/1/2010

	Share Certificate of Deposit	IRA Certificate of Deposit
Minimum Opening Deposit	$2500.00	$5.00
Dividends Compounded	Monthly	Monthly
Dividends Credited	Monthly	Monthly
Dividend Period	Monthly	Monthly
5 Month	Not Allowed	Not Allowed
6 Month	1.00% /1.00%	Not Allowed
Term - 1 Year	1.49% / 1.50%	1.74% / 1.75%
Term - 2 Years	1.74% / 1.75%	1.98% / 2.00%
Additional Deposits	Not Allowed	Unlimited
Withdrawals	Allowed Principle Only and Early Withdrawal Penalities Apply	Allowed
Renewable	Automatic	Automatic

  
*The rates appearing in this schedule are accurate and effective as of the Last Dividend Declaration Date. If you have any questions or require current rate information, please call FFCU.