Harbor Federal Credit Union
                                      “The Best at Serving You!” 

Dividend Rates & Terms                                                             

This Rate Schedule states rates applicable to specified accounts.  This fee schedule is common to all
accounts.  These schedules are incorporated as a part of your account agreement with Harbor Federal

Credit Union.  For purposes of his disclosure, the dividend rate and annual percentage yield stated

for term share accounts were offered within the most recent seven calendar days and were accurate as of 08/15/2008. All rates are subject to change without notice.

Please call (310) 816-0440 to obtain current rate information or visit our website at www.harborfcu.org

Variable Rate Accounts 

		Minimum	Minimum
Account	Rate	Opening	To Earn	Dividend		Dividend
Type	Type	Balance	Dividends	Rate	APY1	Paid
* Min. Balance Account	Variable	$25.00	$500.00	0.65%	0.65%	Quarterly
* Special Savings	Variable	$1.00	$500.00	0.65%	0.65%	Quarterly
***12 Mo. IRA Cert. (Roth/Education)	Fixed	$10.00	$10.00	3.00%	3.04%	Monthly

Today’s Promotional Share Certificate 
Yields based on certificates held to maturity.  Dividends paid monthly.

Term	Dividend Rate	APY1	Minimum Opening Balance
*** 4- Month	3.40%	3.46%	$1,000

Limit one promotional certificate per member.  
Certificate will automatically renew into a 6-month term
certificate at the current rate for that tier.

Term Share Certificates
Yields based on certificates held to maturity.  Dividends paid monthly. 

Term	$1,000 to	$9,999	$10,000 to	$49,999	$50,000 to	$99,999	$100,000	+
	Dividend		Dividend		Dividend		Dividend
	Rate	APY1	Rate	APY1	Rate	APY1	Rate	APY1
3 Month	2.00%	2.02%	2.10%	2.12%	2.15%	2.17%	2.20%	2.23%
6 Month	2.50%	2.53%	2.60%	2.63%	2.75%	2.79%	2.85%	2.89%
12 Month	2.70%	2.74%	2.75%	2.79%	2.80%	2.84%	2.90%	2.94%
18 Month	2.70%	2.74%	2.75%	2.79%	2.80%	2.84%	2.90%	2.94%
24 Month	2.75%	2.79%	2.85%	2.89%	2.90%	2.94%	3.00%	3.04%
36 Month	3.05%	3.10%	3.10%	3.15%	3.15%	3.20%	3.25%	3.30%
48 Month	3.25%	3.30%	3.35%	3.40%	3.40%	3.46%	3.60%	3.66%

 

 

 

 

 

 

 

 









Penalty for early withdrawal on all Term Share Certificates. 

 

Money Market Accounts

		Dividend
Account Type	Balance	Rate	APY1
	$2,000-$9,999.99	1.35%	1.36%
	$10,000-$24,999.99	1.75%	1.77%
** Money Market	$25,000-$49,999.99	2.00%	2.02%
	$50,000-$99,999.99	2.75%	2.79%
	$100,000+	3.15%	3.20%

 

 

 

Dividends paid monthly.                                               

Club Accounts

		Minimum	Minimum
Account	Rate	Opening	To Earn	Dividend		Dividend
Type	Type	Balance	Dividends	Rate	APY1	Paid
*Chistmas Club	Variable	$1.00	$500.00	0.75%	0.75%	Quarterly
*Golden Harbor Club / Checking Account	Variable	$1.00	$500.00	0.60%	0.60%	Monthly
*Advantage Interest  Checking	Variabe	$1.00	$500.00	0.50%	0.50%	Monthly