Valdosta Teachers' Federal Credit Union
Annual Percentage Yield is accurate as of September 16, 2013. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
Account Type Minimum
Opening
Deposit
Minimum
Balance to
Earn APY
Limitations* Dividend Rate Annual
Percentage
Yield
Dividends Compounded quarterly and will be credited quarterly.
Regular Share Account $25.00 $100.00 Transfer & Withdrawal*
0.15%
0.15%
Youth Share Account $10.00 $10.00 Transfer & Withdrawal*
0.15%
0.15%
Teen Share Account $15.00 $15.00 Transfer & Withdrawal*
0.15%
 
0.15%
Christmas Account -- -- Withdrawal* 0.15% 0.15%
Vacation Account -- -- Withdrawal* 0.15% 0.15%
Auxiliary Share/Accumulative IRA Account -- -- Transfer & Withdrawal*
0.00%
0.00%
Account Type Minimum
Opening
Deposit
Minimum
Balance to
Earn APY
Limitations* Dividend Rate Annual Percentage
Yield
Dividends will be compounded monthly and will be credited monthly. Average Daily Balance Method

Money Market Account

$1,000.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 +
 
$1000.00 $1000.00 Transfer *
0.20%
0.30%
0.50%
0.60%
0.20%
0.30%
0.50%
0.60%
Advantage Share Draft Account $25.00 $350.00 -- 0.10% 0.10%
Premier Advantage Share Draft Account $25.00 $750.00 -- 0.15% 0.15%
Convenience Share Draft Account $25.00 -- -- -- --
* For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.


Annual Percentage Yield is accurate as of August 8, 2014. Rates and other terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Certificate Account <
• Minimum Opening Deposit   —     $1,000.00      
• Dividends Compounded   —     At Maturity*   • Additional Deposits   —     Not Allowed
• Dividends Credited   —     At Maturity*   • Withdrawals   —     Allowed -- With Penalty
• Dividend Period   —     Term of Account*      
Terms Dividend Rate Annual Percentage Yield Renewable
6 months 0.24% 0.24% Not Automatic
1 year 0.35% 0.35% Not Automatic
2 year 0.55% 0.55% Not Automatic
3 year 0.74% 0.74% Not Automatic
Traditional IRA Account / Roth IRA Account
• Minimum Opening Deposit     —     $250.00      
• Dividends Compounded     —     Quarterly   • Additional Deposits   —     Allowed*
• Dividends Credited     —     Quarterly   • Withdrawals     —     Allowed -- With Penalty
• Dividend Period     —     Calendar Quarterly      
Terms Dividend Rate Annual Percentage Yield Renewable
1 year 0.45% 0.451% Automatic
2 year 0.63% 0.631% Automatic
3 year 0.85% 0.853% Automatic
4 year 0.95% 0.953% Automatic
5 year 1.08% 1.084% Automatic
Educational IRA Account
• Minimum Opening Deposit     —     $250.00      
• Dividends Compounded     —     Quarterly   • Additional Deposits     —     Allowed*
• Dividends Credited     —     Quarterly   • Withdrawals     —     Allowed -- With Penalty
• Dividend Period     —     Calendar Quarterly      
Terms Dividend Rate Annual Percentage Yield Renewable
1 year 0.45% 0.451% Automatic
2 year 0.63% 0.631% Automatic
3 year 0.85% 0.853% Automatic
4 year 0.95% 0.953% Automatic
5 year 1.08% 1.081% Automatic
CU 101 Certificate (Ages 0-22)
• Minimum Opening Deposit     —     $500.00      
• Dividends Compounded     —     At Maturity*   • Additional Deposits     —     Allowed*
• Dividends Credited     —     At Maturity*   • Withdrawals     —     Allowed -- With Penalty
• Dividend Period     —     Calendar Quarterly      
Terms Dividend Rate Annual Percentage Yield Renewable
6 months 0.25% 0.25% Automatic
1 year 0.35% 0.35% Automatic
2 year 0.55% 0.55% Automatic
3 year 0.74% 0.74% Automatic
* For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.
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