Sound Credit Union :: Rates

Rates effective as of November 1, 2011.

Rates are subject to change. Please check with your local branch, or call if we can answer any questions.

Savings Programs	Dividend Rate	APY*	Minimum Balance to Open	Minimum Balance To Earn APY*
Savings
Prime Savings	.100	.10	$25	$100
Minimum balance to avoid a fee: $25
Johnny Appleseed	.100	.10	$5	-
Club Accounts	.100	.10	-	-
IRA Savings	.250	.25	$25
Health Savings Accounts	.499	.50	$50	-

Checking
Free Checking	-	-	$50	-
Plus Checking	.050	.05	$50	$1000
Advantage Checking	.050	.05	$50	$1000
Minimum balance to avoid a fee: $500
High-Yield Checking
$0 - $9,999	0.100	0.10	$50	-
$10,000-$24,999	0.150	0.15	$50	$10,000
$25,000-$49,999	0.200	0.20	$50	$25,000
$50,000+	0.250	0.25	$50	$50,000
If balance falls below $10,000 a $10 fee will be applied.
Visions Checking	.050	.05	$50	-

Money Markets
Money Market
$2,500-$4,999	0.100	0.10	$50	$2,500
$5,000-$24,999	0.150	0.15	$50	$5,000
$25,000 - Above	0.150	0.15	$50	$25,000
Money Market Plus
$2,500-$24,999	0.100	0.10	$50	$2,500
$25,000-$49,999	0.150	0.15	$50	$25,000
$50,000+	0.250	0.25	$50	$50,000
If balance falls below $25,000 a $10.00 fee will be applied.
High-Yield Money Market
$2,500-$49,999	0.100	0.10	$50	$2,500
$50,000-$99,999	0.250	0.25	$50	$50,000
$100,000-$199,999	0.349	0.35	$50	$100,000
$200,000-$299,999	0.399	0.40	$50	$200,000
$300,000-$499,999	0.449	0.45	$50	$300,000
$500,000 - Above	0.499	0.50	$50	$500,000
If balance falls below $50,000 a $10.00 fee will be applied.

*APY = Annual Percentage Yield

Truth In Savings Disclosures

Note: All Savings accounts which have dividends compounded and credited are paid monthly.

Free Checking does not have a dividend.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.