Certificates & IRA Rates

POCU Current Investment Rates
EFFECTIVE:

SHARE CERTIFICATE

TERM

APR*

APY*

8 month SPECIAL

2.62%

2.65%

12 months

2.47%

2.50%

24 months

2.57%

2.60%

26 months

2.59%

2.62%

36 months

2.67%

2.70%

48 months

2.71%

2.75%

** A POCU penalty will be imposed for early withdrawal on all Share Certificates. A POCU and IRA regulated penalties will be imposed on Individual Retirement Certificates. *APR is the annual percentage rate and APY is the annual percentage yield.

IRA SAVINGS ACCOUNT

APR*

APY*

0.75%

0.75%

ACCOUNT FEATURES

Minimum deposit at open
$5.00

Fixed or variable rate
variable rate

Dividends compounded
monthly

Minimum balance to earn dividend
$50.00

Dividends credited
monthly

Dividend period
calendar month

Balance computation method
average daily balance

Additional deposits
allowed

Dividend withdrawal

allowed

*APR is the annual percentage rate and *APY is the annual percentage yield.

IRA CERTIFICATE

TERM

*APR

APY*

12 months

2.47%

2.50%

24 months

2.57%

2.60%

26 months

2.59%

2.62%

36 months

2.67%

2.70%

48 months

2.71%

2.75%

ACCOUNT FEATURES

Minimum deposit at open
$500.00

Fixed or variable rate
fixed rate

Dividends compounded
monthly

Minimum balance to earn dividend
$500.00

Dividends credited
monthly

Dividend period
calendar month

Balance computation method
daily balance method

Additional deposits
not allowed

Dividend withdrawal

at maturity or penalty**

SIDEKICKS KID'S SHARE CERTIFICATE

RATE

APY*

2.47%

2.50%

ACCOUNT FEATURES

Minimum deposit at open
$250.00

Fixed or variable rate
fixed rate

Dividends compounded
monthly

Minimum balance to earn dividend
$250.00

Dividends credited
monthly

Dividend period
calendar month

Balance computation method
daily balance method

Additional deposits
not allowed

Dividend withdrawal

at maturity or penalty*

These tables were designed to explain your credit union's investment programs and sets forth certain conditions and current rates that apply to your certificate accounts. POCU may offer other rates and amend the rates covered in these tables.
*APR is the annual percentage rate and*APY is annual percentage yield.
**Each account holder agrees to the conditions set forth on this rate schedule and acknowledges that this is a part of the Membership and Account Agreements and IRA/Roth Agreements.
POCU is federally insured by the National Credit Union Administration