Deposit Rates

Effective 9/27/2011

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-$15,000 2.529%/2.500%
Rewards Checking* $15,000.01 + 0.250%/0.250%
Regular Share** $250-$2,500 0.100%/0.100%
Regular Share $2,501 & over 0.100%/0.100%
Escrow Share** $250-$2,500 0.100%/0.100%
Escrow Share $2,501 & over 0.100%/0.100%
Gopher Shares $0.01-$5.00 0.100%/0.100%
Gopher Shares $5.01 - $1,000 0.100%/0.100%
Gopher Shares $1,001 - $2,500 0.100%/0.100%
Gopher Shares $2,501 - $5,000 0.100%/0.100%
Gopher Shares $5,001 - $10,000 0.100%/0.100%
Gopher Shares $10,001 & over 0.100%/0.100%
IRA Shares 0.250%/0.250%
Holiday Club 0.100%/0.100%
Tax Club 0.100%/0.100%
Summer Savings Club 0.100%/0.100%
Vacation Club 0.100%/0.100%
Money Market $2,500 - $4,999 0.150%/0.150%
Money Market $5,000 - $9,999 0.200%/0.200%
Money Market $10,000 - $24,999 0.250%/0.250%
Money Market $25,000 - $49,999 0.300%/0.300%
Money Market $50,000 - $74,999 0.351%/0.350%
Money Market $75,000 & over 0.501%/0.500%
 
Share Certificate 6-11 months $500 minimum 0.351%/0.350%
Share Certificate 12-23 months $1,000 minimum 0.501%/0.500%
Share Certificate 24-35 months $1,000 minimum 0.702%/0.700%
Share Certificate 36-47 months $1,000 minimum 1.004%/1.000%
Share Certificate 48-59 months $2,500 minimum 1.156%/1.150%
IRA Certificate 12-23 months $1,000 minimum 0.602%/0.600%
IRA Certificate 24-35 months $1,000 minimum 0.702%/0.700%
IRA Certificate 36-47 months $1,000 minimum 1.150%/1.100%
IRA Certificate 48-59 months $2,500 minimum 1.257%/1.250%

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 0.10% APY. No service charges apply; for personal accounts only. Minimum $100 opening balance required.

**Minimum balance of $250 required to earn dividends