Mid-Cities Schools Credit Union

	Rates & Dividends Loan Rates Savings Dividends

Savings Dividends


Regular Shares*	Dividend Rate	Annual Percentage Yield (APY)

$5+	0.50%	0.50%

Individual Retirement Accounts (IRA)**	Dividend Rate	APY

IRA Share	1.25%	1.26%
Roth IRA Share	1.25%	1.26%

Share Draft **	Dividend Rate	APY

$100 - $9,999	0.25%	0.25%
$10,000 +	0.75%	0.75%

Term Certificate Accounts ** Minimum Balance: $500	Dividend Rate	APY

6 Month	2.70%	2.73%
12 Month	2.75%	2.79%
18 Month	2.80%	2.84%

IRA & Roth Certificate Accounts ** Minimum Balance: $500	Dividend Rate	APY

6 Month	2.50%	2.53%
12 Month	2.60%	2.63%
18 Month	2.70%	2.73%

Dividends are credited to your account and compounded every month. Regular Shares is paid quarterly. * Share draft, IRA and Certificates are paid monthly. MCFCU computes the balance using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. Penalty applies for early withdrawal. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change without notice.

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