SFCU Share Rates

Share Rates

(For the 1st Quarter Ending 03/31//2012)
Account Type	Dividend Rate	Annual Percentage Yield	Compounding Period
Regular Shares*	.15%	.15%	Quarterly. Minimum balance of $101 required to earn dividend.
Share Draft: Regular & Gold Crown	n/a	n/a
Silver Money Market Checking*	.20%	.20%	Monthly. Minimum balance of $2,000 required to earn dividend.
Club Accounts*	.15%	.15%	Quarterly. Minimum balance of $101 required to earn dividend.
All IRA Passbooks*	.15%	.15%	Quarterly. Minimum balance of $101 required to earn dividend.
* Regular Savings, Club and IRA Passbook Accounts are at a variable rate which may change after the account is opened. Federally insured by the NCUA.

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.