Deposit Rates
effective January 1, 2017
min bal to
earn dividends
compound
method
APY
as high as

Savings Accounts 

Regular Savings (S1)
$100 10.05%
Minor Savings (S5, S6)
$100

10.05%
Super Savings (S21)

$25,000 10.09%
$10,000 10.08%
$2,500

10.08%
Christmas Club Savings (S18)
$0.01 10.05%
Other Club Savings (S17)
$0.01

10.05%

Checking Accounts 

Classic Checking (S11)
$3,500 10.04%

$0.01

10.03%
Simply FREE Checking (S13)
N/A

1N/A
Smart Start Checking
N/A1
N/A

Share Certificates 

4 Years (48 Months)
$45,001 41.41%

$25,00141.31%

$5,00141.21%

$500

41.10%
3 Years (36 Months)
$45,00141.21%

$25,00141.10%

$5,00141.00%

$500

40.90%
2 Year (24 Months)
$45,00141.01%

$25,00140.90%

$5,00140.80%

$500

40.70%
1 Years (12 Months)
$45,00140.80%

$25,00140.70%

$5,00140.60%

$500

40.50%
6 Months
$45,00130.60%

$25,00130.50%

$5,00130.40%

$500

30.30%
3 Months
$45,001 20.40%

$25,00120.30%

$5,00120.20%

$500

20.10%

IRA (Individual Retirement Accounts)

5 Years (60 Months)
$500 50.95%
4 Years (48 Months)
$500 50.75%
3 Years (36 Months)
$500 50.60%
2 Years (24 Months)
$500 50.40%
1 Year (12 Months)
$500

50.40%
Variable
N/A 10.25%



APY is annual percentage yield. Rates subject to change.

CMP is Compounding Method:
  1. Calculated daily, paid quarterly
  2. Calculated daily, paid at maturity
  3. Calculated daily, paid at maturity, or monthly and transferred to savings or checking account
  4. Calculated daily, paid monthly & transferred to savings/checking account, or paid quarterly & added to certificate
  5. Calculated daily, paid quarterly to certificate
Effect of Early Withdrawals from Certificates:
  • Early withdrawal on all share certificates with a maturity date 1 year and less will result in loss of dividends for 90 days or all dividends earned, whichever is less.  
  • Early withdrawal for share certificates with a maturity date over 1 year will result in loss of dividends for 180 days or all dividends earned, whichever is less. 
Super Savings Accounts:
  • Minimum balance of $2,500 is required to open a Super Savings Account. Dividends are earned on all balances.
  • Deposits must be made in increments of $250 or more and withdrawals must be made in increments of $500 or more. 
Christmas Club Accounts:
  • Christmas Club Account balances are automatically transferred to your savings account on November 1st each year.  
  • Early withdrawals will result in a $5 fee.





 

© Copyright 2017, Louisiana USA Federal Credit Union. All rights reserved.