Savings Rates

Rates

All yields accurate as of October 19, 2018 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: 10/19/2018

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
MyLife Savings/MyLife Kids Savings (on the first $500)	3.00%	3.05%	DD/DW	$1.00	Daily
MyLife Savings/MyLife Kids Savings (Amounts over $500)	.02%	.02%	DD/DW	$1.00	Daily

(Includes First Jersey "Super Saver Account" rates)

Rates Effective: 10/19/2018

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
MyLife Money Market (Amounts $250,000-$99,999,999.99)	1.69%	1.70%	DD/DW	$250,000	Daily
MyLife Money Market (Amounts $100,000 - $249,999.99)	1.59%	1.60%	DD/DW	$100,000	Daily
MyLife Money Market (Amounts $50,000 - $99,999.99)	1.39%	1.40%	DD/DW	$50,000	Daily
MyLife Money Market (Amounts $10,000 - $49,999.99)	1.00%	1.01%	DD/DW	$10,000	Daily
MyLife Money Market (Amounts $2,000 - $9,999.99)	.75%	.75%	DD/DW	$2,000	Daily
MyLife Money Market (Amounts < $2,000)	.05%	.05%	DD/DW	$0	Daily

Rates Effective: 10/19/2018

Step-Up Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
24 Month	2.122%	2.145%	2 Years	$500
12 Month	2.024%	2.045%	1 Year	$500
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: 10/19/2018

Fixed Rate Accounts	Dividend Rate	APY	Term	Minimum Balance Required
60 Month	3.053%	3.100%	5 Years	$500
48 Month	3.053%	3.100%	4 Years	$500
36 Month	3.053%* 2.956%	3.100%* 3.000%	3 Years	$500	Members Apply here Non-Members Apply here
24 Month	2.810%* 2.372%	2.850%* 2.400%	2 Years	$500	Members Apply here Non-Members Apply here
18 Month	2.323%	2.350%	18 Months	$500
12 Month	2.274%	2.300%	1 Year	$500
9 Month	2.127%	2.150%	9 Months	$500
6 Month	1.980%	2.000%	6 Months	$500
3 Month	1.735%	1.750%	3 Months	$500
*Promotional rate. Step-Up Certificate Accounts are ineligible for this promotion. 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: 10/19/2018

Statement Savings	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
Platinum Money Manager (If minimum balance is maintained)	.35%	.35%	DD/DW	$75,000	Daily
Platinum Money Manager (If balance falls below minimum)	.05%	.05%	DD/DW	$75,000	Daily
Diamond Money Manager (If minimum balance is maintained)	.30%	.30%	DD/DW	$50,000	Daily
Diamond Money Manager (If balance falls below minimum)	.05%	.05%	DD/DW	$50,000	Daily
Silver Money Manager (If minimum balance is maintained)	.20%	.20%	DD/DW	$5,000	Daily
Silver Money Manager (If balance falls below minimum)	.05%	.05%	DD/DW	$5,000	Daily
Education Savings	.65%	.65%	DD/DW	$1.00	Daily
STAR Account	.40%	.40%	DD/DW	$25.00	Daily
Club Account	.25%	.25%	1 - 12 Months	$1.00	Daily
Super Savings Money Manager (If minimum balance is maintained)	.25%	.25%	DD/DW	$25,000	Daily
Super Savings Money Manager (If balance falls below minimum)	.05%	.05%	DD/DW	$25,000	Daily
Savings Plus (Amounts > $2,000)	.10%	.10%	DD/DW	$500	Daily
Savings Plus (on the first $2,000)	.05%	.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings Accounts (Amounts > $2,000)	.05%	.05%	DD/DW	$1.00	Daily
Share Mgmt, Kids, Teen and Health Savings (on the first $2,000)	.02%	.02%	DD/DW	$1.00	Daily

Rates Effective: 10/19/2018

Account Type	Dividend Rate	APY	Term	Minimum Balance Required	Rate May Change
Share Saver Account	0.10%	0.10%	DD/DW	$10.00	Daily
Mighty Savers	0.10%	0.10%	DD/DW	$5.00	Daily
Holiday Club	0.10%	0.10%	DD/DW	$10.00	Daily
Vacation Club	0.10%	0.10%	DD/DW	$10.00	Daily
Freedom Checking	0.050%	0.050%	DD/DW	$0.00	Daily
Bonus Checking	1.982%	2.000%	DD/DW	$0.00	Daily