Savings & Investment Rates

Share/Savings Dividend Rate APY* Term
Share Accounts 0.150 0.150 n/a
Share Draft Accounts — — – 0.000 0.000 n/a
Christmas Club Acct 0.150 0.150 n/a
Mad Money Accounts 0.150 0.150 n/a
Certificates Dividend Rate APY* Term
Certificate — 6 Months* / Minimum Deposit – $500 0.75 0.757 6
Certificate — 12 Months*/ Minimum Deposit – $1,000 1.25 1.256 12
Certificate — 18 Months*/ Minimum Deposit – $1,000 1.45 1.458 18
Certificate — 25 Months*/ Minimum Deposit – $1,000 1.85 1.863 25
Certificate-36 Months/ Minimum Deposit – $1,000 2.05 2.066 36
Certificate-36 Months/ Minimum Deposit – $100,000 2.25 2.269 36
Certificate-48 Months/ Minimum Deposit – $1,000 2.35 2.371 48
Certificate-48 Months/ Minimum Deposit – $100,000 2.55 2.575 48
Certificate- 60 Months/ Minimum Deposit – $5,000 2.75 2.779 60
Certificate- 60 Months/ Minimum Deposit – $100,000 3.05 3.085 60
IRA Share Account 0.40 .40 n/a
IRA — 18 Month Certificate 1.45 1.458 18
Money Market Account** / Minimum Deposit – $1,000 0.25 0.25

All savings and investment rates subject to change without notice at any time.

* No early withdrawal penalty | ** Limit of 3 withdrawals per month

Substantial penalty for early withdrawal otherwise

APY refers to annual percentage yield and is subject to change at the discretion of Horizon Credit Union with the exception of the share account which is determined by the credit union board of directors.  APY assumes dividends will remain on deposit until maturity.  APY is an annual calculation based on 365 days (366 days in a leap year).  A penalty will be imposed for early withdrawal on Share Certificates 36 Months – 60 Months.  There are no early withdrawal penalties on 6 Month – 25 Month Share Certificates.  Fees or withdrawals may reduce earnings.  APY can change after account opening for variable rate accounts such as Money Market Accounts.  The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.  Dividends are accrued daily and paid monthly on 6 month Share Certificates. Dividends are accrued daily and paid quarterly on 12, 18, 25, 36, 48 and 60 month Share Certificates.