Savings Account Rates

Account	Term	Rate	APY	Minimum
3 Month Certificate	3 Months	3.44%	3.500%	$500
6 Month Certificate	6 Months	4.23%	4.320%	$500
1 Year Certificate	12 Months	3.50%	3.562%	$500
2 Year Certificate	24 Months	3.50%	3.562%	$500
3 Year Certificate	36 Months	3.50%	3.562%	$500
4 Year Certificate	48 Months	3.50%	3.562%	$500
5 Year Certificate	60 Months	3.50%	3.562%	$500
Special 9 Month Certificate		4.25%	4.341%1	$500
Special 18 Month Certificate		4.00%	4.081%2	$500
2 Year Bump Up Certificate	>730 days	3.50%	3.562%3	$500

Current Fee Schedule

¹APY (Annual Percentage Yield) effective as of 2/27/2024 for a special 9-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 9 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 12-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

²APY (Annual Percentage Yield) effective as of 10/29/2024 for a special 18-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 18 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate. Terms and conditions are subject to change without notice.

³APY (Annual Percentage Yield) effective as of 9/24/2024 and subject to change at any time. IRA Certificates are not eligible. Rate requires new money to open. New money is defined as funds that have not been on deposit with The Police Credit Union for greater than 30 days. Membership required. Not available for corporate accounts. The bump-up option and promotional rate are only available on Certificates for a term of 24 months. A minimum opening deposit of $500 is required. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain promotional APY. Once opened, no add-on amounts to the account during the term are allowed. Terms and conditions are subject to change without notice. This Credit Union is federally insured by the National Credit Union Administration.

Certificate Terms and Conditions: Accounts are available for the range of days stated above. The APY assumes that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

Balance	Dividend Rate	APY	Term
$2,500 - $14.999.99	0.05%	0.050%	Open-Ended
$15,000 - $49,999.99	0.75%	0.753%	Open-Ended
$50,000 - $99,999.99	1.25%	1.258%	Open-Ended
$100,000 - $149,999.99	1.50%	1.511%	Open-Ended
$150,000 - $249,999.99	1.75%	1.765%	Open-Ended
$250,000+	1.98%	2.000%	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

Balance	Dividend Rate	APY	Term
$2,500 - $14.999.99	1.00%+	1.005%+	Open-Ended
$15,000 - $49,999.99	2.96%+	3.004%+	Open-Ended
$50,000 - $99,999.99	3.73%+	3.800%+	Open-Ended
$100,000 - $149,999.99	4.12%+	4.206%+	Open-Ended
$150,000 - $249,999.99	4.21%+	4.300%+	Open-Ended
$250,000+	4.44%+	4.540%+	Open-Ended

Current Fee Schedule

+APY = Annual Percentage Yield. Smart Advantage Money Market: To qualify for the higher Rate, you must have a current checking account, be enrolled in E-statements at The Police CU and meet the following requirements each month: Make 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the current calendar month to your account using your Visa® Debit Card. Have $500 a month in qualifying direct deposits deposited to your checking account during the current calendar month. A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. Starting with the calendar month following when you open your Smart Advantage Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined at the end of the month based upon the number of qualifying transactions or direct deposit requirement for that month's activities and the dividend is paid at that time. If there are changes to your checking account (it is closed, changed to a new account type or no longer: 1) receives qualified direct deposit or 2) enrolled in E-statements, the rate will change to those in effect at the time of the change.

Dividend Rate	APY	Min. to Open	Min. to Earn APY	Term
0.05%	0.05%	$25	$25	Open-Ended

Current Fee Schedule

Balance	Dividend Rate	APY	Term
$0 - $4,999.99	0.05%	0.05%	Open-Ended
$5,000 - $14,999.99	0.05%	0.05%	Open-Ended
$15,000 - $49,999.99	0.50%	0.501%	Open-Ended
$50,000 and over	1.00%	1.005%	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

Dividend Rate	APY	Min. to Open	Min. to Earn APY	Term
0.05%	0.05%	$25	$25	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $25. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts  for more information.

Account	Term	Rate	APY	Minimum
IRA Savings+	None	0.05%	0.05%	$100
1 Year	12 Months	3.50%	3.562%	$500
2 Year	24 Months	3.50%	3.562%	$500
3 Year	36 Months	3.50%	3.562%	$500
4 Year	48 Months	3.50%	3.562%	$500
5 Year	60 Months	3.50%	3.562%	$500

Current Fee Schedule

Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.