Rates

Loan Rates/Policy Share and Certificate Rates Fee Schedule

Effective as of: 12/15/2015
Share and Certificate Rates
The following dividend rates for regular Share, Club and IRA/ Roth accounts have been declared by the Board of Directors
TYPEACCOUNTMINIMUM OPENING BALANCERATEAPY
01SHARES$50.000.05%0.05%
10,11,12CHRISTMAS CLUB$5.000.05%0.05%
77INSURED MONEY MARKET (IMMA)$2,500.000.15%0.15%
 
84IRA SHARES 50$50.000.10%0.10%
83IRA - EDUCATION$50.000.10%0.10%
21ROTH P/R IRA 50$50.000.10%0.10%
 
20IRA - ROTH 2000$2,000.000.15%0.15%
80IRA SHARES 2000$2,000.000.15%0.15%
81IRA 2000 - ROTH CONVERSION$2,000.000.15%0.15%
 
22IRA CD - 6 MONTH ROTH$5,000.000.20%0.20%
23IRA CD - 6 MONTH ROTH CONVERSION$5,000.000.20%0.20%
90IRA CD - 6 MONTH (82)$5,000.000.20%0.20%
91IRA CD - 1 YEAR (85)$5,000.000.25%0.25%
92IRA CD - 2 YEAR$5,000.000.50%0.50%
93IRA CD - 3 YEAR$5,000.000.75%0.75%
94IRA CD - 4 YEAR$5,000.001.00%1.01%
95IRA CD - 5 YEAR$5,000.001.25%1.26%
 
50CD - 6 MONTH (40, 45)$5,000.000.20%0.20%
51CD - 1 YEAR (30, 32)$5,000.000.25%0.25%
52CD - 2 YEAR$5,000.000.50%0.50%
53CD - 3 YEAR$5,000.000.75%0.75%
54CD - 4 YEAR$5,000.001.00%1.01%
55CD - 5 YEAR$5,000.001.25%1.26%
 
CERTIFICATES RATES ARE SUBJECT TO CHANGE DAILY.
This Rate Schedule states rates applicable to specified accounts and fees common to all accounts.
This schedule is incorporated as a part of your account agreement with Desert Communities Federal Credit Union.
For the purposes of this disclosure, the dividend rate and annual percentage yield stated for the Certificate Share accounts were offered within the most recent seven calendar days.
Please call (760) 326-2942 toll free (877) 717-3232 to obtain current rate information.
Dividends are declared by the Board of Director Quarterly.
NCUA insured up to $250,000.00