Edison Financial IRA & Certificate Accounts

Savings Rates

Share Accounts
Effective Date: Wednesday, February 22nd, 2012
TypeAPR*APY**
Regular Share Accounts 0.10% 0.10%
Club Accounts 0.10% 0.10%
IRA Share Accounts 0.30% 0.30%
Christmas Club Accounts 0.10% 0.10%
Checking Accounts 0.00% 0.00%
Youth Certificates
Minimum initial deposit $250
2 Yr term
0.55% 0.55%
* APR=Annual Percentage Rate. **APY=Annual Percentage Yield. All rates subject to change. Please call the credit union for details.

Tiered Money Market Accounts
Effective Date: Wednesday, February 22nd, 2012
Minimum BalanceAPR*APY**
$2,000.00 - $9,999.99 0.15% 0.15%
$10,000.00 - $24,999.99 0.20% 0.20%
$25,000.00 - $49,999.99 0.35% 0.35%
$50,000.00 - $74,999.99 0.40% 0.40%
$75,000.00 - Over 0.60% 0.60%
Minimum Deposit of $2,000.00
*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. All rates subject to change. Please call the credit union for details.

Senior Money Market Accounts
Effective Date: Wednesday, February 22nd, 2012
Minimum BalanceAPR*APY**
$2,000.00 - $9,999.99 0.20% 0.20%
$10,000.00 - $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 0.40% 0.40%
$50,000.00 - $74,999.99 0.45% 0.45%
$75,000.00 - Over 0.65% 0.65%
Minimum Deposit of $2,000.00
*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. All rates subject to change. Please call the credit union for details.

Certificate Accounts - $1,000
Effective Date: Wednesday, February 22nd, 2012
TermAPR*APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
1 Year 0.25% 0.25%
18 Months 0.30% 0.30%
2 Year 0.55% 0.55%
3 Year 0.95% 0.95%
4 Year 1.29% 1.30%
5 Year 1.54% 1.55%
* APR= Annual Percentage Rate. APY** = Annual Percentage Yield. All rates subject to change. Please call the credit union for details.
All IRA-Certificates compound quarterly. Share Certificates compound quarterly/monthly.
Penalty for early withdrawal: 3 Months 30 days / One Year or less 60 days / One Year or more 120 days interest.

Certificate Accounts - $10,000
Effective Date: Wednesday, February 22nd, 2012
TermAPR*APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
1 Year 0.25% 0.25%
18 Months 0.30% 0.30%
2 Year 0.55% 0.55%
3 Year 0.95% 0.95%
4 Year 1.29% 1.30%
5 Year 1.54% 1.55%
*APR=Annual Percentage Rate. **APY=Annual Percentage Yield. All rates subject to change. Please call the credit union for details.
All IRA-Certificates compound quarterly. Share Certificates compound quarterly/monthly.
Penalty for early withdrawal: 3 Months 30 days / One Year or less 60 days / One Year or more 120 days interest.