Regular Savings - Rates effective 12/21/2018
|
Term |
APR |
APY |
Minimum |
|
Dividends Paid Quarterly |
0.50% |
0.50% |
$25.00 |
Certificates of Deposit - Rates effective 12/21/2018
|
Term |
APR |
APY |
Minimum |
|
6 months |
0.65% |
0.65% |
$500 |
|
12 months |
1.00% |
1.00% |
$1,000 |
|
24 months |
1.25% |
1.25% |
$1,000 |
|
36 months |
1.50% |
1.50% |
$1,000 |
|
48 months |
1.75% |
1.75% |
$1,000 |
|
60 months |
2.00% |
2.00% |
$1,000 |
|
*SAVE TO WIN 12 months |
0.50% |
0.50% |
$25 |
|
**BUMP CD 21 months |
2.80% |
2.80% |
$1,000 |
|
***Special CD Rate 36 months |
2.80% |
2.80% |
$1,000 |
|
****Special CD Rate 60 months |
3.00% |
3.00% |
$10,000 |
|
Jumbo 12 months |
1.50% |
1.50% |
$100,000 |
|
Jumbo 24 months |
3.00% |
3.00% |
$100,000 |
|
IRA Certificates |
call for rates |
Important Notices
-
APR=Annual Percentage Rate
-
APY=Annual Percentage Yield
-
All interest rates are subject to change without notice.
-
Penalty for early withdrawal.
***Minimum $1,000 deposit. Rate subject to change without notice. Early withdrawal and other restrictions may apply.
****Minimum $10,000 deposit. Rate subject to change without notice. Early withdrawal and other restrictions may apply.
**No fee to “bump up” your interest rate. Lock in a higher Emporia State Federal Credit Union published rate any time before maturity.
Limited to one bump per Certificate of Deposit. Minimum balance of $1,000 required.
Penalty for early withdrawal. Must contact Emporia State Federal Credit Union to activate the
Bump Rate Option. No additional deposits accepted during term of certificate. Bump rate will
match rate currently in effect at the time bump option is exercised for a like fixed-rate certificate
of deposit term. New rate will carry forward from date of increase and will not be retroactive.
*SAVE TO WIN disclosure ESFCU-Save-to-Win-TIS
Early withdrawal and other restrictions may apply. Insured up to $250,000 per account. Unless you indicate otherwise, at time of maturity, the certificate will be reinvested for the same term at a fixed-rate in effect at the time. Personal accounts only. Rates, terms and availability subject to change.