Thursday Apr 24

Term Share Certificate of Deposit

With a minimum of $1,000 you can establish a regular Certificate of Deposit earning higher rates for terms up to 48 months.

Feel free to contact
 one of our Member Service Representatives for more information at:
774-BFCU or 1-800-929-0265.


 CD TERM SHARE CERTIFICATES

Term Share Certificate Type  APY* APY* APY* APY*
 Account Type  Minimum    Deposit   to Open   Account
   under  $10,000.00
 

$10,000.00 to
$49,999.99

 

$50,000.00 to
$99,999.99

 

$100,000.00
and over

3 months

 $1,000.00

0.25%APY

0.25%APY

0.30%APY

0.30%APY

6 months

 $1,000.00

0.35%APY

0.35%APY

0.40%APY

0.40%APY

7 months

 $1,000.00 

0.45%APY

0.45%APY

0.45%APY

0.45%APY

12 months

 $1,000.00

0.50%APY

0.50%APY

0.65%APY

0.65%APY

18 months

 $1,000.00

0.55%APY

0.55%APY

0.70%APY

0.70%APY

   24 months  

         

 $1,000.00

0.85%APY

0.85%APY

0.95%APY

0.95%APY

36 months

 $1,000.00

0.95%APY

0.95%APY

1.05%APY

1.05%APY

48 months

 $1,000.00

1.05%APY

1.05%APY

1.15%APY

1.15%APY

 *The Annual Percentage Yield (APY) is quoted without compounding.  Other compounding options are available upon request.   You must maintain the minimum required balance in your account in order to obtain the disclosed APY.  Fees may reduce the earnings on dividend-earning accounts. A penalty for early withdrawal before maturity applies to the above term share certificates consisting of all dividends that have been earned, not to exceed 90 days.  If there is enough accrued interest to cover the penalty, we deduct the penalty from it; if not, we deduct the remainder of the penalty from the principal. There is NO grace period following the maturity of the term share certificate.

CD PLUS TERM SHARE CERTIFICATES

Term Share Certificate Type   APY* APY* APY* APY*
 Account TypeMinimum Deposit to Open Account
 under $10,000.00 

$10,000.00 to
$49,999.99

 

$50,000.00 to
$99,999.99

 

$100,000.00
and over

15 months

 $5,000.00

0.55%APY

0.55%APY

0.70%APY

0.70%APY

         30 months          

 $5,000.00

0.90%APY

0.90%APY

1.00%APY

1.00%APY

* The Annual Percentage Yield (APY) is quoted without compounding.  Other compounding options are available upon request for regular CD Plus Certificates.  Dividends for Youth CD Plus Certificates are only credited at maturity.  You must maintain the minimum required balance in your account in order to obtain the disclosed APY.  Fees may reduce the earnings on dividend-earning accounts. A penalty for early withdrawal before maturity applies to the above term share certificates consisting of all dividends that have been earned, not to exceed 180 days.  If there is enough accrued interest to cover the penalty, we deduct the penalty from it; if not, we deduct the remainder of the penalty from the principal. There is NO grace period following the maturity of the term share certificate.

YOUTH CD PLUS TERM SHARE CERTIFICATES

Term Share Certificate Type
  APY* APY* APY* APY*
 Account Type
 Minimum Deposit to Open Account
 under $10,000.00 

$10,000.00 to
$49,999.99

 

$50,000.00 to
$99,999.99

 

$100,000.00
and over

15 months

 $100.00

0.45%APY

0.45%APY

0.45%APY

0.45%APY

30 months 

 $100.00

0.70%APY

0.70%APY

0.70%APY

0.70%APY

*The Annual Percentage Yield (APY) is quoted without quarterly compounding.  No other compounding options are available.  You must maintain the minimum required balance in your account in order to obtain the disclosed APY.  Fees may reduce the earnings on dividend-earning accounts. A penalty for early withdrawals before maturity applies to the above term share certificates consisting of all dividends that have been earned, not to exceed 90 days. There is NO grace period following the maturity of the term share certificate.

*IRA CERTIFICATE OF DEPOSIT (Traditional, Roth, Educational)

Term Share Certificate Type   APY* APY* APY* APY*
 Account Type
 Minimum Deposit to Open Account  under $10,000.00 

$10,000.00 to
$49,999.99

 

$50,000.00 to
$99,999.99

 

$100,000.00
and over

12 months

 $1,000.00

0.50%APY

0.50%APY

0.50%APY

0.50%APY

18 months

 $1,000.00

0.55%APY

0.55%APY

0.55%APY

0.55%APY

24 months

 $1,000.00

0.85%APY

0.85%APY

0.85%APY

0.85%APY

 *The Annual Percentage Yield (APY) is quoted with quarterly compounding.  No other compounding options are available.  You must maintain the minimum required balance in your account in order to obtain the disclosed APY.  Fees may reduce the earnings on dividend-earning accounts. A penalty for early withdrawals before maturity applies to the above term share certificates consisting of all dividends that have been earned, not to exceed 90 days. There is NO grace period following the maturity of the term share certificate.

Rates effective: 04/1/2014

Annual Percentage Rate (APY*)

All Deposits are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund, a U.S. Government Agency.  Rates are subject to change without notice.  All minimum balances shown above supersede any disclosed in our Account Information brochure.  Dividends on the above term share certificates are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Please contact one of  our 4 branch locations to confirm rates. Every effort is made to maintain up-to-date information on this website.Border Federal Credit Union reserves the right to offer only the most current rates as approved by management.

Routing # 314985662 * NMLS# 509503*

BFCU Toll Free # 1-800-580-3503 * Local # 830-774-BFCU