Type of Account	Minimum Daily  Balance to  Obtain APY	Dividend Rate	Annual Percentage Yield (APY)
Regular Shares*	$100	0.10%	0.10%
Youth Saver Shares*	$5	0.10%	0.10%
Holiday Saver Account *	$100	0.10%	0.10%
Vacation Club*	$100	0.10%	0.10%
Dividend Rate declared 12/29/11 for the Month Ending 1/31/12
Dividend Checking*+	$1,000	0.05%	0.05%
Dividend Rate declared 12/29/11 for the Month Ending 1/31/12
Variable Rate IRA* Dividend Rate Effective 1/01/12	$100	0.30%	0.30%
Money Market Account* Dividend Rate Effective  1/01/12	$2,500	0.20%	0.20%
Premium Money Market Acct** Dividend Rate Effective  1/01/12	$25,000	0.40%	0.40%

Term Share*** Certificates	Minimum Balance	Dividend Rate	Annual Percentage  Yield (APY)
3 months	$2,500	0.25%	0.25%
6 months	$2,500	0.35%	0.35%
12 months	$1,000	0.45%	0.45%
18 thru 23 mos.	$1,000	0.55%	0.55%
24 thru 35 mos.	$1,000	0.65%	0.65%
36 thru 47 mos.	$1,000	0.95%	0.95%
48 thru 59 mos.	$1,000	1.24%	1.25%
60 months	$1,000	1.49%	1.50%

IRA Term Share***   Certificates	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Trad'l   Roth   Educ.
12 months**	$500	0.45%	0.45%
18 thru 23 mos.	$500	0.55%	0.55%
24 thru 35 mos.	$500	0.65%	0.65%
36 thru 47 mos.	$500	0.95%	0.95%
48 thru 59 mos.	$500	1.24%	1.25%
60 months	$500	1.49%	1.50%

*Variable rate accounts, rates subject to change at any time.

**Additional deposits of a minimum of $100 may be made to this account.

***A penalty may be imposed for early withdrawal

⁺Fees could reduce the earnings on this account

For current & promotional rates, call our New Accounts Representative at (714) 871-8400

 

Full terms and conditions for North Orange County Credit Union's deposit accounts 

are described in the Terms & Conditions and Truth in Savings Disclosures.