North Alabama Educators Credit Union

TERM	NON-COMPOUNDING	APY	COMPOUNDING	APY
6 MONTH	1.60%*	1.60%*	1.60%	1.61%
9 MONTH	1.65%*	1.65%*	1.65%	1.66%
12 MONTH	1.60%**	1.80%**	1.80%**	1.81%**
18 MONTH	1.90%*	1.90%*	1.90%	1.91%
24 MONTH	1.90%*	1.90%*	1.90%	1.91%
27 MONTH	2.00%*	2.00%*	2.00%	2.01%
36 MONTH	2.10%*	2.10%*	2.10%	2.11%

TERM

NON-COMPOUNDING

APY

COMPOUNDING

APY

6 MONTH

1.60%*

1.60%

1.61%

9 MONTH

1.65%*

1.65%

1.66%

12 MONTH

1.60%**

1.80%**

1.81%**

18 MONTH

1.90%*

1.90%

1.91%

24 MONTH

1.90%*

1.90%

1.91%

27 MONTH

2.00%*

2.00%

2.01%

36 MONTH

2.10%*

2.10%

2.11%

A minimum balance of $1,000 is required to be maintained for all regular Share Certificates. A minimum balance of $300 is required to be maintained for regular Share Certificates on minor accounts (Age 0-18)

The MAXIMUM for NEW CD PURCHASES, not renewals, will be $25,000.00 per member every calendar month.

*Dividend payments are mandatory, but the dividends cannot remain in the account. A penalty may be imposed for early withdrawal.

** 12 month CD has 1 time penalty-free withdrawal.

IRA CERTIFICATES OF DEPOSIT

Term	Minimum Balance	Dividend Rate	APY
LAST DIVIDEND DECLARATION DATE: December 31, 2018
IRA Share Account	$25 minimum balance	.70%	.70%
PROSPECTIVE DIVIDEND RATE & APY: March 31, 2019
IRA Share Account	$25 minimum balance	.90%	.90%
DIVIDEND DECLARATION DATE January 01, 2019–January 31, 2019
18-Month IRA CD	$500 minimum balance	1.90%*	1.91%*
24-Month IRA CD	$500 minimum balance	1.90%*	1.91%*
36-Month IRA CD	$500 minimum balance	2.05%*	2.06%*
48-Month IRA CD	$500 minimum balance	2.05%*	2.06%*
60-Month IRA CD	$500 minimum balance	2.25%*	2.27%*

Term

Minimum Balance

Dividend Rate

APY

LAST DIVIDEND DECLARATION DATE: December 31, 2018

IRA Share Account

$25 minimum balance

.70%

PROSPECTIVE DIVIDEND RATE & APY: March 31, 2019

IRA Share Account

$25 minimum balance

.90%

DIVIDEND DECLARATION DATE January 01, 2019–January 31, 2019

18-Month IRA CD

$500 minimum balance

1.90%*

1.91%*

24-Month IRA CD

$500 minimum balance

1.90%*

1.91%*

36-Month IRA CD

$500 minimum balance

2.05%*

2.06%*

48-Month IRA CD

$500 minimum balance

2.05%*

2.06%*

60-Month IRA CD

$500 minimum balance

2.25%*

2.27%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.

Certificate Rates

IRA CERTIFICATES OF DEPOSIT