Deposit Rates

Effective 8/25/2008

Subject to change without notice. APY=Annual Percentage Yield. Call (800) 223-1413 for current rate information. Dividends compounded quarterly.

Product Term Balance APY/Dividend Rate
Rewards Checking* $0-$25,000 4.510%/4.420%
Rewards Checking* $25,000.01 + 1.010%/1.005%
Regular Share** $250-$2,500 0.250%/0.250%
Regular Share $2,501 & over 0.501%/0.500%
Escrow Share** $250-$2,500 0.250%/0.250%
Escrow Share $2,501 & over 0.501%/0.500%
Gopher Shares $0.01-$5.00 0.001%/0.001%
Gopher Shares $5.01 - $1,000 0.752%/0750%
Gopher Shares $1,001 - $2,500 0.752%/0.750%
Gopher Shares $2,501 - $5,000 0.853%/0.850%
Gopher Shares $5,001 - $10,000 0.953%/0.950%
Gopher Shares $10,001 & over 0.953%/0.950%
IRA Shares 1.004%/1.000%
Holiday Club 0.750%/0.750%
Tax Club 0.750%/0.750%
Summer Savings Club 0.750%/0.750%
Vacation Club 0.752%/0.750%
Money Market $2,500 - $4,999 1.358%/1.350%
Money Market $5,000 - $9,999 1.460%/1.450%
Money Market $10,000 - $24,999 1.561%/1.550%
Money Market $25,000 - $49,999 1.663%/1.650%
Money Market $50,000 - $74,999 1.968%/1.950%
Money Market $75,000 & over 2.171%/2.150%
Share Certificate 90 days $500 minimum 2.167%/2.150%
Share Certificate 6-11 months $500 minimum 2.516%/2.500%
Share Certificate 12-23 months $1,000 minimum 2.785%/2.750%
Share Certificate 24-35 months $1,000 minimum 2.939%/2.900%
Share Certificate 36-47 months $1,000 minimum 3.196%/3.150%
Share Certificate 48-59 months $2,500 minimum 3.453%/3.400%
Share Certificate 60 months $2,500 minimum 3.711%/3.650%
IRA Certificate 12-23 months $1,000 minimum 3.041%/3.000%
IRA Certificate 24-35 months $1,000 minimum 3.196%/3.150%
IRA Certificate 36-47 months $1,000 minimum 3.453%/3.400%
IRA Certificate 48-59 months $2,500 minimum 3.712%/3.650%
IRA Certificate 60 months $2,500 minimum 3.970%/3.900%

Early Withdrawal Penalty for Share Certificates and Club Accounts:

We may impose a penalty if you withdraw any of the principal before the maturity date. Contact the Credit Union for complete details.

Fees and withdrawals could reduce the earnings on accounts.

*To receive ATM refunds and Rewards rates, member simply needs to do the following each statement cycle: make 12 purchases with their ENY FCU debit card, have one Direct Deposit to or ACH auto debit from the account, be enrolled in E-Statements, and access online banking at least once. If requirements not met, balances will receive 0.25% APY. No service charges apply; for personal accounts only. Minimum $100 opening balance required.

**Minimum balance of $250 required to earn dividends