Share Certificate Rates (includes IRA Certificates)*

Valid January 20, 2021 through January 26, 2021

Minimum Balance - $50,000 and over

  Dividend Rate* Annual Percentage Yield*
6 Months 0.44% 0.44%
1 Year 0.48% 0.48%
2 Years 0.55% 0.55%
3 Years 0.65% 0.65%
4 Years 0.75% 0.75%
5 Years 0.85% 0.85%

Minimum Balance - $10,000 to $49,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.43% 0.43%
1 Year 0.47% 0.47%
2 Years 0.53% 0.53%
3 Years 0.63% 0.63%
4 Years 0.73% 0.73%
5 Years 0.83% 0.83%

Minimum Balance - $2,000 to $9,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.41% 0.41%
1 Year 0.46% 0.46%
2 Years 0.52% 0.52%
3 Years 0.62% 0.62%
4 Years 0.72% 0.72%
5 Years 0.82% 0.82%

Minimum Balance - $400 to $1,999.99

  Dividend Rate* Annual Percentage Yield*
6 Months 0.40% 0.40%
1 Year 0.45% 0.45%
2 Years 0.50% 0.50%
3 Years 0.60% 0.60%
4 Years 0.70% 0.70%
5 Years 0.80% 0.80%

Money Market Shares

Valid through January 2021

 Amount Dividend Rate Annual Percentage Yield** Min. Balance 
$50,000 and over 0.20% 0.20% $50,000.00
$10,000 - $49,999.99 0.15% 0.15% $10,000.00
Base Rate 0.10% 0.10% $2,000.00

Health Savings Account

 Amount Dividend Rate Annual Percentage Yield** Min. Balance
$50,000 and over 0.20% 0.20% $50,000.00
$10,000 - $49,999.99 0.15% 0.15% $10,000.00
Base Rate 0.10% 0.10% $2,000.00

Share Draft

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $2,000.00

Anticipated First Quarter 2021

Share Savings

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $25.00

IRA Savings

Dividend Rate Annual Percentage Yield Min. Balance
0.05% 0.05% $25.00

Christmas Club

Dividend Rate Annual Percentage Yield*** Min. Balance
0.75% 0.75% $50.00

*There is a penalty for early withdrawal from a Certificate or IRA Certificate. If funds are taken out prior to maturity of a Certificate or IRA Certificate, there is a penalty of: 30 days – dividends forfeited if the Certificate matures in 365 days or less; 60 days – dividends forfeited if the Certificate matures in two years; and 90 days – dividends forfeited if the Certificate matures in three years or more.

**APY = Annual Percentage Yield

***Christmas Club: There is a $25 early withdrawal fee if funds are withdrawn prior to October 31

Interest and Dividend Rate Sheets, Brochures and Applications for specific services and products and Fee Schedules are available at any MVFCU office. MVFCU waives the fees of some services for senior citizens age 60 and over.