Tyndall Federal Credit Union - Account Rates

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Tyndall Federal Credit Union

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Account Rates

e-Checking Rates
Regular Checking
Tyndall Savers
Regular Share
Tyndall Savers Regular Share
Money Market
Tyndall Savers Money Market
Certificates
Certificate Advantage - Regular Certificate
Tyndall Savers Certificates
IRA Contributory
IRA Certificates
Certificate Advantage - IRA Certificate
Uniform Gift to Minors
Club
Tyndall Savers Club

e-CheckingEffective Date: 05-20-09
	Under $50,000		$50,000 and Over
Type	Dividend Rate	APY	Dividend Rate	APY
Base Rate¹	0.25%	0.25%	0.25%	0.25%
e-Rate²	2.23%	2.25%	n/a	n/a
Cap Rate	n/a	n/a	0.25%	0.25%
¹Base Rate APY paid monthly on daily balances to members who do not meet qualifying conditions. ²e-Rate APY paid monthly on daily balances up to $50,000.00 to members who do meet qualifying conditions.

Regular Checking¹Effective Date: 10-01-09
Deposit Amount	Minimum to Open	Dividend Rate	APY²
($25.00 & Above)	$25	0.25%	0.25%³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Tyndall Savers Checking¹Effective Date: 10-01-09
	Minimum to Open	Dividend Rate	APY²
($25.00 & Above)	$25	0.25%	0.25% ³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Regular Share²Effective Date: 11-01-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY¹
($5.00 & Above)	$5	0.75%	0.75%³
¹The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ²The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Tyndall Savers Regular Share¹Effective Date: 11-01-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY²
($5.00 & Above)	$5	1.00%	1.00%³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Money Market²Effective Date: 11-18-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY¹
($999.99 or Below)	$1,000	0.00%	0.00%³
($1,000.00 - $9,999.99)	$1,000	0.75%	0.75%³
($10,000.00 - $24,999.99)	$1,000	0.75%	0.75%³
($25,000.00 - $49,999.99)	$1,000	1.00%	1.00%³
($50,000.00 & Above)	$1,000	1.24%	1.25%³
¹The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ²Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. ³The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.

Tyndall Savers Money Market¹Effective Date: 11-18-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY²
($249.99 or Below)	$250	0.00%	0.00%³
($250.00 - $9,999.99)	$250	0.75%	0.75%³
($10,000.00 - $24,999.99)	$250	0.75%	0.75%³
($25,000.00 - $49,999.99)	$250	1.00%	1.00%³
($50,000.00 & Above)	$250	1.24%	1.25%³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Certificates²Effective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY³
91 Day¹	$1,000	1.24%	1.25%
182 Day¹	$1,000	1.49%	1.50%
Add-On (1 year)	$1,000	1.50%	1.50%
12 Month	$1,000	1.99%	2.00%
18 Month	$1,000	2.23%	2.25%
24 Month	$1,000	2.48%	2.50%
36 Month	$1,000	2.72%	2.75%
48 Month	$1,000	3.20%	3.25%
60 Month	$1,000	3.69%	3.75%
Variable Term (18 - 36 months)	$1,000	2.23%	2.25%
Gift to Minors Certificate (18 months)	$1,000	2.23%	2.25%
¹The APY shown for the 91-Day and 182-Day Certificates assumes multiple maturities in one year. ²For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. ³The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.

Certificate Advantage - Regular CertificateEffective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY¹
12 Month	$500	2.23%	2.25%
24 Month	$500	2.72%	2.75%
36 Month	$500	2.96%	3.00%
48 Month	$500	3.45%	3.50%
60 Month	$500	3.93%	4.00%
¹The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Tyndall Federal Credit Union does not offer institutional certificates of deposit. Certificate Advantage rates are valid only when a member opens each of the 5 separate Certificate Accounts as specified as part of the Certificate Advantage program (minimum required deposit of $500 per Certificate; opened with an equal dollar amount in each)

Tyndall Savers Certificate¹Effective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY²
91 Day³	$250	1.24%	1.25%
182 Day³	$250	1.49%	1.50%
Add-On (1 year)	$250	1.50%	1.50%
12 Month	$250	1.99%	2.00%
18 Month	$250	2.23%	2.25%
24 Month	$250	2.48%	2.50%
36 Month	$250	2.72%	2.75%
48 Month	$250	3.20%	3.25%
60 Month	$250	3.69%	3.75%
Variable Term (18 to 36 Months)	$250	2.23%	2.25%
¹For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³The APY shown for the 91-Day and 182-Day Certificates assumes multiple maturities in one year.

IRA ContributoryEffective Date: 11-01-2009
Minimum to Open and Earn APY	Dividend Rate	APY¹
$50	1.24%	1.25%
¹The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.

IRA Certificates¹Effective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY²
12 Months	$1,000	1.99%	2.00%
18 Months	$1,000	2.23%	2.25%
24 Months	$1,000	2.48%	2.50%
36 Months	$1,000	2.72%	2.75%
48 Months	$1,000	3.20%	3.25%
60 Months	$1,000	3.69%	3.75%
¹For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.

Certificate Advantage - IRA CertificateEffective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY¹
12 Month	$500	2.23%	2.25%
24 Month	$500	2.72%	2.75%
36 Month	$500	2.96%	3.00%
48 Month	$500	3.45%	3.50%
60 Month	$500	3.93%	4.00%
¹The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Tyndall Federal Credit Union does not offer institutional certificates of deposit. Certificate Advantage rates are valid only when a member opens each of the 5 separate Certificate Accounts as specified as part of the Certificate Advantage program (minimum required deposit of $500 per Certificate; opened with an equal dollar amount in each)

Uniform Gift to Minors¹Effective Date: 11-01-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY²
($5.00 & Above)	$5	1.00%	1.00%³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Club Account¹Effective Date: 11-01-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY²
($5.00 & Above)	$5	1.00%	1.00%³
¹The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Tyndall Savers Club Account³Effective Date: 11-01-2009
Deposit Amount	Minimum to Open and Earn APY	Dividend Rate	APY²
($5.00 & Above)	$5	1.00%	1.00%¹
¹Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. ²The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. ³The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.