Savings Rates

Rates

All yields accurate as of April 1, 2019 and subject to change after the account is opened. Fees could reduce earnings on accounts.

APY = Annual Percentage Yield, DD/DW = Day of Deposit/Day of Withdrawal

Rates Effective: 4/1/2019

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
High Dividend Savings	2.44%	2.47%	DD/DW	$500.00	Daily	Members sign in to open
MyLife Savings/MyLife Kids Savings (on the first $500)	3.00%	3.05%	DD/DW	$1.00	Daily	Members sign in to open
MyLife Savings/MyLife Kids Savings (Amounts over $500)	0.02%	0.02%	DD/DW	$1.00	Daily

(Rates also apply to our First Jersey “Super Saver Account” and Business Money Market rates.)

Rates Effective: 4/1/2019

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
MyLife Money Market (Amounts $250,000-$99,999,999.99)	2.225%	2.25%	DD/DW	$250,000	Daily	Members sign in to open
MyLife Money Market (Amounts $100,000 - $249,999.99)	1.590%	1.60%	DD/DW	$100,000	Daily	Members sign in to open
MyLife Money Market (Amounts $50,000 - $99,999.99)	1.390%	1.40%	DD/DW	$50,000	Daily	Members sign in to open
MyLife Money Market (Amounts $10,000 - $49,999.99)	1.000%	1.01%	DD/DW	$10,000	Daily	Members sign in to open
MyLife Money Market (Amounts $2,000 - $9,999.99)	0.750%	0.75%	DD/DW	$2,000	Daily	Members sign in to open
MyLife Money Market (Amounts < $2,000)	0 .050%	0.05%	DD/DW	$0	Daily	Members sign in to open

Rates Effective: 4/1/2019

Special Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
18 Month¹	2.956%	3.00%	18 Months	$500	Members sign in to open
¹New money only. Funds not currently on deposit in a current USALLIANCE account.

Rates Effective: 4/1/2019

Fixed Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
60 Month	3.053%	3.10%	5 Years	$500	Members sign in to open
48 Month	3.053%	3.10%	4 Years	$500	Members sign in to open
36 Month	2.956%	3.00%	3 Years	$500	Members sign in to open
24 Month	2.762%	2.80%	2 Years	$500	Members sign in to open
18 Month	2.323%	2.35%	18 Months	$500	Members sign in to open
12 Month	2.469%	2.50%	1 Year	$500	Members sign in to open
9 Month	2.127%	2.15%	9 Months	$500	Members sign in to open
6 Month	1.980%	2.00%	6 Months	$500	Members sign in to open
3 Month	1.735%	1.75%	3 Months	$500	Members sign in to open
Dividends are calculated and compounded daily and credited monthly on the last calendar day of the month. The APY for all accounts is based on an assumption that dividends will remain in the account until maturity (or one year). A withdrawal will reduce earnings. A premature withdrawal from a Certificate will incur a significant penalty. All term accounts are available for a range of maturity days to permit you to schedule redemption for a business day. These accounts are subject to fees which will reduce your total earnings and other conditions which are detailed in our Membership Disclosure Booklet; Certificate Account Disclosure Form; and Fees and Service Charges Schedule.

Rates Effective: 4/1/2019

Step-Up Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
24 Month	2.518%	2.55%	2 Years	$500	Members sign in to open
12 Month	2.230%	2.25%	1 Year	$500	Members sign in to open
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the regular certificate with the same original maturity (12 or 24 months).

Rates Effective: 4/1/2019

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
Platinum Money Manager (If minimum balance is maintained)	0.350%	0.35%	DD/DW	$75,000	Daily
Platinum Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$75,000	Daily
Diamond Money Manager (If minimum balance is maintained)	0.300%	0.30%	DD/DW	$50,000	Daily
Diamond Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$50,000	Daily
Silver Money Manager (If minimum balance is maintained)	0.200%	0.20%	DD/DW	$5,000	Daily
Silver Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$5,000	Daily
Education Savings	0.650%	0.65%	DD/DW	$1.00	Daily
STAR Account	0.400%	0.40%	DD/DW	$25.00	Daily
Club Account	0.250%	0.25%	1 - 12 Months	$1.00	Daily
Super Savings Money Manager (If minimum balance is maintained)	0.250%	0.25%	DD/DW	$25,000	Daily
Super Savings Money Manager (If balance falls below minimum)	0.050%	0.05%	DD/DW	$25,000	Daily
Savings Plus (Amounts > $2,000)	0.100%	0.10%	DD/DW	$500	Daily
Savings Plus (on the first $2,000)	0.050%	0.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings Accounts (Amounts > $2,000)	0.050%	0.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings (on the first $2,000)	0.020%	0.02%	DD/DW	$1.00	Daily

Rates Effective: 4/1/2019

Account Type	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
Share Saver Account	0.100%	0.10%	DD/DW	$10.00	Daily
Mighty Savers	0.100%	0.10%	DD/DW	$5.00	Daily
Holiday Club	0.100%	0.10%	DD/DW	$10.00	Daily
Vacation Club	0.100%	0.10%	DD/DW	$10.00	Daily
Freedom Checking	0.050%	0.05%	DD/DW	$0.00	Daily
Bonus Checking	1.982%	2.00%	DD/DW	$0.00	Daily