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Deposit Rates
Rates Effective: Saturday, November 07, 2009
Last Updated: Tuesday, September 01, 2009
VSECU may offer other rates for these accounts from time to time.
Use our Savings Goal Calculator to help determine your savings plan.
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Account Type |
Minimum Opening
Deposit / Minimum Daily Balance to Earn APY |
Compounding & Crediting |
Annual Percentage Yield (APY) |
Other Requirements
|
|---|---|---|---|---|
Checking |
$25/$0 |
Monthly |
0.25% |
|
Share |
$25 |
Quarterly |
0.50% |
|
Special Share |
$5/$0 |
Quarterly |
0.50% |
|
Bill Payer |
$0 |
Quarterly |
0.50% |
|
Holiday Club |
$5/$0 |
Quarterly |
0.50% |
Account Balance |
Annual Percentage Yield (APY) |
|---|---|
1,000 - $4,999.99 |
0.50% |
5,000 - $9,999.99 |
0.75% |
10,000 - $24,999.99 |
1.00% |
25,000 - $49,999.99 |
1.20% |
50,000 and above |
1.50% |
Money Market Share Accounts:
•
Minimum Daily Balance to Earn APY / Minimum Daily Balance
to Avoid Service Charges: $1,000
• Below Minimum Balance Service Charge: $5 per month.
• Dividends Compounded and Credited Monthly.
Account Type |
Minimum Daily Balance to Earn APY |
Compounding & Crediting |
Annual Percentage Yield (APY) |
Other Requirements |
|---|---|---|---|---|
3 Month |
$1,000 |
Monthly |
1.20% |
Penalty for early withdrawal |
6 Month |
$1,000 |
Monthly |
1.30% |
Penalty for early withdrawal |
1 Year |
$1,000 |
Monthly |
1.40% |
Penalty for early withdrawal |
2 Year |
$1,000 |
Monthly |
2.05% |
Penalty for early withdrawal |
3 Year |
$1,000 |
Monthly |
2.10% |
Penalty for early withdrawal |
4 Year |
$1,000 |
Monthly |
2.75% |
Penalty for early withdrawal |
5 Year |
$1,000 |
Monthly |
3.00% |
Penalty for early withdrawal |
Account Type |
Minimum Opening Deposit / Minimum Daily Balance to Earn APY |
Compounding & Crediting |
Annual Percentage Yield (APY) |
Other Requirements |
|---|---|---|---|---|
IRA Share |
$25 / $0 |
Quarterly |
0.50% |
|
1 Year Certificate |
$1,000 |
Monthly |
1.40% |
Penalty for early withdrawal |
2 Year Certificate |
$1,000 |
Monthly |
2.05% |
Penalty for early withdrawal |
3 Year Certificate |
$1,000 |
Monthly |
2.10% |
Penalty for early withdrawal |
4 Year Certificate |
$1,000 |
Monthly |
2.75% |
Penalty for early withdrawal |
5 Year Certificate |
$1,000 |
Monthly |
3.00% |
Penalty for early withdrawal |
Annual Percentage Yield (APY) for these accounts is subject to change.
Use our Retirement Savings Calculator to help you plan for retirement.
Open a Deposit Account today!
For Money Market Share / Term Share Certificates / Individual Retirement Accounts, fees could reduce earnings.
For more information about service charges and terms, see Truth-in-Savings Disclosures, contact a Member Consultant at 802/800 371-5162, or email us.
(Please do not send any sensitive information via email.)
