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View Truth In Savings Disclosure for share accounts  (PDF)
View Truth In Savings Disclosure for IRA & Share certificates (PDF)


SHARE SAVINGS (Rates based on average daily balance)
Minimum Deposit Balance to Earn Dividends Dividend Rate APY*
Regular Share Account $5.00 $50.00 and greater 0.10% 0.10%
Young Member Club Account $1.00 $1.00 and greater 0.30% 0.30%
IRA Club Account $50.00 $50.00 and greater 0.30% 0.30%
Holiday Club Account $10.00 $10.00 and greater 0.10% 0.10%
Business Savings $5.00 $50.00 and greater 0.10% 0.10%


MONEY MANAGEMENT (Rates based on average daily balance)
Minimum Deposit $2,500.00 Balance to Earn Dividends Dividend Rate APY*
Tier I   $0.00 to 2,499.99 0.10% 0.10%
Tier II   $2,500.00 and greater 0.35% 0.35%


DIAMOND CLUB CHECKING (Rates based on average daily balance)
Minimum Deposit  $1,500.00 Balance to Earn Dividends Dividend Rate APY*
Tier I   $0.00 to 49.99 0.40% 0.40%
Tier II   $50.00 and greater 0.55% 0.55%


FREE PLUS CHECKING (Rates based on average daily balance)
Minimum Deposit $50.00 Balance to Earn Dividends Dividend Rate APY*
Tier I   $0.00 to 49.99 0.10% 0.10%
Tier II   $50.00 and greater 0.25% 0.25%


BUSINESS CHECKING (Rates based on average daily balance)
Minimum Deposit  $250.00 Minimum Balance ** Dividend Rate APY*
    $1,000.00 0.05% 0.05%


TERM SHARE CERTIFICATES *** (Minimum balance of $1,000.00 for all share certificates)
$1,000.00 to $49,999.99 $50,000.00 and greater
  Dividend Rate APY* Dividend Rate APY*
6 months 0.35% 0.35% 0.38% 0.38%
12 months 0.85% 0.85% 0.88% 0.88%
18 months 1.00% 1.00% 1.03% 1.03%
24 months 1.36% 1.36% 1.39% 1.39%
36 months 1.77% 1.78% 1.80% 1.81%


TERM IRA SHARE CERTIFICATES *** (Minimum balance of $1,000.00 for all share certificates)
$1,000.00 to $49,999.99 $50,000.00 and greater
  Dividend Rate APY* Dividend Rate APY*
6 months 0.35% 0.35% 0.38% 0.38%
12 months 0.85% 0.85% 0.88% 0.88%
18 months 1.00% 1.00% 1.03% 1.03%
24 months 1.36% 1.36% 1.39% 1.39%
36 months 1.77% 1.78% 1.80% 1.81%


Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

* APY - Annual Percentage Yield. Minimum average daily balance required to obtain the APY for the dividend period.
** Minimum balance of $1,000.00 required to avoid a $10.00 service charge.
*** Terms and rates are only applicable for Share Certificates.


The Board of Directors, as required by law, reviewed and set the rates to be paid on the following
accounts effective April 1, 2014. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any Security First Credit Union Office.

Revision Date: April 2014.




2011 Security First Credit Union, All rights reserved.