| Share Certificates | |||
| Effective Date: Sunday, October 1st, 2023 | |||
| Type | Dividend Rate | APY* | Term |
| 6 Month Share Certificate | 3.94% | 4.00% | 6 |
| 12 Month Share Certificate | 3.94% | 4.00% | 12 |
| 18 Month Share Certificate | 3.21% | 3.25% | 18 |
| 24 Month Share Certificate | 2.96% | 3.00% | 24 |
| 36 Month Share Certificate | 2.96% | 3.00% | 36 |
| 48 Month Share Certificate | 2.96% | 3.00% | 48 |
| 60 Month Share Certificate | 3.25% | 3.30% | 60 |
| 7 Month Share Certificate Special | 5.19% | 5.30%² | 7 |
| 13 Month Flex Share Certificate | 5.39% | 5.50%¹ | 13 |
| 25 Month Flex Share Certificate | 5.15% | 5.25%¹ | 25 |
*APY = Annual Percentage Yield. Dividends for Share Certificates are calculated on the average daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. IRA certificates will earn the above yields with $500.00 minimum balance. ¹To earn 0.25% APY rate increase member must meet the following criteria: Have an active loan or credit card; or have a checking account with electronic Statements. If member does not meet criteria member will earn 5.25% APY (13 month), 5.00% APY (25 month). Minimum $500.00. Maximum $250,000. Additional deposits allowed during term of loan up to the maximum certificate deposit amount allowed. At maturity, balance of the 13-month certificate will automatically roll into a 12-month certificate at the current rate at that time. At maturity, balance of the 25-month certificate will automatically roll into a 24-month certificate at the current rate at that time. Does not qualify for IRAs. Rates are effective 7/15/23 subject to cancel at any time. Subject to change without notice. Cannot be combined with any other offers. Restrictions may apply. Can have multiple Flex Certificates not to exceed $500,000. ²The total deposit must be new money not on deposit with SharePoint Credit Union. Minimum required to open a 7 month Share Certificate is $10,000. At maturity, balance of the 7-month certificate will automatically renew into a 6-month certificate at the current interest rate at that time. Does not qualify for IRA's. Interest rates are effective 7/15/23 and subject to cancel at any time. Subject to change without notice. Cannot be combined with any other offers. Restrictions may apply. Limit one per member. Early Withdrawal Penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI). Full Share Certificate Disclosure | |||
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