e Federal Credit Union
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 *APY=Annual Percentage Yield. APYs accurate as of 09/01/2013. Rates may change after account is opened.  The following must be met each qualification cycle:  (1) Have at least 12 debit card purchases post and settle, (2) Have at least 1 automatic payment (ACH) or direct deposit post and settle, and (3) Be enrolled and receive e-statement notice.  If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 3.01%; and (2) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in a range of 3.01% - 0.50% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be reimbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher.  If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.


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