Savings, IRA and Term Share Rates - First California Federal Credit Union

Dividend Rate & Yield Schedule

Dividend Rate & Yield Schedule
Effective Date: May 01, 2023
Account Name	Rate Type	Min Opening Balance	Min Balance Required	Dividend Rate	APY*
Membership Account		$5	$5	Non Dividend Earning
Holiday Club	Variable	$5	$5	0.05%	0.05%
Vacation Club	Variable	$5	$5	0.05%	0.05%
Total Saver	Variable	$5	$5
	5-249.99			0.00%	0.00%
	250-2,999.99			0.05%	0.05%
	3,000-4,999.99			0.05%	0.05%
	5,000-9,999.99			0.10%	0.10%
	10,000-49,999.99			0.10%	0.10%
	50,000-99,999.99			0.15%	0.15%
	100,000-over			0.20%	0.20%
Freedom Savings _{16-17 yrs of age}	Savings	$5	$5	0.05%	0.05%
Future Savers _{5-15 yrs of age}	Savings	$5	$5	0.05%	0.05%
Share Draft	Checking	$25	No Minimum Balance Required	Non Dividend Earning
Freedom Checking	Checking	$25	No Minimum Balance Required	Non Dividend Earning
IRA Accumulation	Variable	$100	$100	0.05%	0.05%
IRA Split Rate	Variable	1,000	1,000
	1,000-2,000			0.05%	0.05%
	3,000-4,999			0.10%	0.10%
	5,000-over			0.15%	0.15%
*Annual Percentage Yield Dividends are computed on all "dividend paid" accounts with a minimum of $5.00. Dividends are computed on the daily balance method; the application of a daily periodic rate to the full amount of ending principal in the account each day. Dividends begin accruing as of the date of deposit. Dividends are paid and compounded monthly.

Term Share Accounts

Term Share & IRA Term Share Accounts
Effective Date: May 17, 2023
Term	Rate Type	Min Opening Balance	Min to Earn Dividend	Dividend Rate	APY*
3 Month	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.05% 0.10% 0.15%	0.05% 0.10% 0.15%
6 Month	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.05% 0.10% 0.15%	0.05% 0.10% 0.15%
6 Month	Fixed	$50,000 $100,000	$50,000 $100,000	0.20% 0.25%	0.20% 0.25%
1 Year	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.05% 0.10% 0.15%	0.05% 0.10% 0.15%
1 Year	Fixed	$50,000 $100,000	$50,000 $100,000	0.25% 0.30%	0.25% 0.30%
2 Year	Fixed	$2,500 $5,000 $10,000	$2,500 $5,000 $10,000	0.10% 0.20% 0.30%	0.10% 0.20% 0.30%
2 Year	Fixed	$50,000 $100,000	$50,000 $100,000	0.35% 0.40%	0.35% 0.40%
1 Year IRA	Fixed	$2,500 $5,000	$2,500 $5,000	0.30% 0.35%	0.30% 0.35%
2 Year IRA	Fixed	$2,500 $5,000	$2,500 $5,000	0.40% 0.45%	0.40% 0.45%
* Annual Percentage Yield For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of May 17, 2023. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account.