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Deposit Rates

Rates Effective: Monday, May 12, 2008

Last Updated: Friday, May 09, 2008

VSECU may offer other rates for these accounts from time to time.

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Share Account Rates
Account Type
Minimum Opening Deposit / Minimum Daily Balance to Earn APY
Dividends Compounded & Credited
Annual Percentage Yield
(APY)
Other Requirements
Preferred Checking
$25/$0
Monthly
0.25%
Limited Checking
$25/ N/A
Monthly
N/A
Share
$25
Quarterly
1.26%
Special Share
$5/$0
Quarterly
1.26%
Bill Payer
$0
Quarterly
1.26%
Holiday Club
$5/$0
Quarterly
1.26%
Money Market Share Account
Account Balance
Annual Percentage Yield (APY)
1,000 - $4,999.99
1.50%
5,000 - $9,999.99
1.75%
10,000 - $24,999.99
2.00%
25,000 - $49,999.99
2.50%
50,000 and above
3.00%

Money Market Share Accounts:
  • Minimum Daily Balance to Earn APY / Minimum Daily Balance to Avoid Fees:
    $1,000
  • Below Minimum Balance Fee: $5 per month.
  • Dividends Compounded and Credited Monthly.

Term Share Certificates
Account Type
Minimum Daily Balance to Earn APY
Dividends Compounded & Credited
Annual Percentage Yield
(APY)
Other Requirements
3 Month
$1,000
Monthly
2.60%
Penalty for early withdrawal
6 Month
$1,000
Monthly
3.00%
Penalty for early withdrawal
1 Year
$1,000
Monthly
3.05%
Penalty for early withdrawal
2 Year
$1,000
Monthly
3.25%
Penalty for early withdrawal
3 Year
$1,000
Monthly
3.50%
Penalty for early withdrawal
4 Year
$1,000
Monthly
3.60%
Penalty for early withdrawal
5 Year
$1,000
Monthly
4.10%
Penalty for early withdrawal
Individual Retirement Accounts
Account Type
Minimum Opening Deposit / Minimum Daily Balance to Earn APY
Dividends Compounded & Credited
Annual Percentage Yield
(APY)
Other Requirements
IRA Share
$25 / $0
Quarterly
1.26%
1 Year Certificate
$1,000
Monthly
3.05%
2 Year Certificate
$1,000
Monthly
3.25%
3 Year Certificate
$1,000
Monthly
3.50%
4 Year Certificate
$1,000
Monthly
3.60%
5 Year Certificate
$1,000
Monthly
4.10%

All rates are subject to change and are quoted as annual percentage yield (APY).
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For Money Market Share / Term Share Certificates / Individual Retirement Accounts, fees could reduce earnings.

For more information about fees and terms, see Fee Schedule & Truth-in-Savings Disclosures, contact a Member Consultant at 800/802 371-5162, or email us.
(Please do not send any sensitive information via email.)