North Alabama Educators Credit Union

TERM	NON-COMPOUNDING	APY	COMPOUNDING	APY
6 MONTH	1.30%*	1.30%*	1.30%	1.31%
9 MONTH	1.35%*	1.35%*	1.35%	1.36%
12 MONTH	1.50%**	1.50%**	1.50%**	1.51%**
18 MONTH	1.60%*	1.60%*	1.60%	1.61%
24 MONTH	1.60%*	1.60%*	1.60%	1.61%
27 MONTH	1.70%*	1.70%*	1.70%	1.71%
36 MONTH	1.80%*	1.80%*	1.80%	1.81%

TERM

NON-COMPOUNDING

APY

COMPOUNDING

APY

6 MONTH

1.30%*

1.30%

1.31%

9 MONTH

1.35%*

1.35%

1.36%

12 MONTH

1.50%**

1.51%**

18 MONTH

1.60%*

1.60%

1.61%

24 MONTH

1.60%*

1.60%

1.61%

27 MONTH

1.70%*

1.70%

1.71%

36 MONTH

1.80%*

1.80%

1.81%

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: September 30, 2018
IRA Share Account	$25 minimum balance	.55%	.55%
PROSPECTIVE DIVIDEND RATE & APY: December 31, 2018
IRA Share Account	$25 minimum balance	.70%	.70%
DIVIDEND DECLARATION DATE October 01, 2018–October31, 2018
18-Month IRA CD	$500 minimum balance	1.60%*	1.61%*
24-Month IRA CD	$500 minimum balance	1.60%*	1.61%*
36-Month IRA CD	$500 minimum balance	1.75%*	1.76%*
48-Month IRA CD	$500 minimum balance	1.75%*	1.76%*
60-Month IRA CD	$500 minimum balance	1.95%*	1.96%*

Term

Minimum Balance

Dividend Rate

APY

LAST DIVIDEND DECLARATION DATE: September 30, 2018

IRA Share Account

$25 minimum balance

.55%

PROSPECTIVE DIVIDEND RATE & APY: December 31, 2018

IRA Share Account

$25 minimum balance

.70%

DIVIDEND DECLARATION DATE October 01, 2018–October31, 2018

18-Month IRA CD

$500 minimum balance

1.60%*

1.61%*

24-Month IRA CD

$500 minimum balance

1.60%*

1.61%*

36-Month IRA CD

$500 minimum balance

1.75%*

1.76%*

48-Month IRA CD

$500 minimum balance

1.75%*

1.76%*

60-Month IRA CD

$500 minimum balance

1.95%*

1.96%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.

Certificate Rates

IRA CERTIFICATES OF DEPOSIT