Financial Resources Federal Credit Union

Savings & Checking

Savings ⁽¹⁾

	Minimum Balance⁽²⁾	Interest Rate⁽³⁾	APY⁽⁵⁾
Membership Savings	$10	0.25%	0.25%
Purple Savings	$0 - $499.99	0.10%	0.10%
	$500 - $9,999.99	0.25%	0.25%
	$10,000 - $24,999.99	0.50%	0.50%
	$25,000 - $49,999.99	0.75%	0.75%
	$50,000 and over	1.14%	1.15%
Youth Savings	$5	0.25%	0.25%

Visit a branch or call 800.933.3280, press 4, to open an account today!

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Interest Checking ⁽¹⁾

Minimum Balance⁽²⁾	Interest Rate⁽³⁾	APY⁽⁵⁾
$0 - $999.99	0.15%	0.15%
$1,000 - $24,999.99	0.20%	0.20%
$25,000 - $49,999.99	0.25%	0.25%
$50,000 and over	0.30%	0.30%

Visit a branch or call 800.933.3280, press 4, to open your Checking today, then click here to follow our handy checklist to switch your checking to Financial Resources.

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Money Market ⁽¹⁾

	Resource Rewards Platinum		Regular
Minimum⁽²⁾⁽⁶⁾	Rate⁽³⁾⁽⁴⁾	APY⁽⁵⁾	Rate⁽³⁾	APY⁽⁵⁾
$0 - $999.99	0.25%	0.25%	0.05%	0.05%
$1,000 - $4,999.99	0.45%	0.45%	0.25%	0.25%
$5,000 - $24,999.99	0.90%	0.90%	0.70%	0.70%
$25,000 - $49,999.99	0.90%	0.90%	0.70%	0.70%
$50,000 - $74,999.99	0.90%	0.90%	0.70%	0.70%
$75,000 and over	0.90%	0.90%	0.70%	0.70%

Visit a branch or call 800.933.3280, press 4, to open an account today!

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Certificates

Specials - Certificates and IRAs ⁽¹⁾ ^{(7) (8)}

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
7 months	$500	0.90%	0.90%	0.70%	0.70%
15 months	$500	1.49%	1.50%	1.29%	1.30%
30 months	$500	2.62%	2.65%	2.42%	2.45%

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Regular Certificates - Flexible terms let you pick the maturity date ⁽⁷⁾

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
3 - 5 months	$500	0.50%	0.50%	0.30%	0.30%
6 - 11 months	$500	0.75%	0.75%	0.55%	0.55%
12 - 23 months	$500	1.20%	1.21%	1.00%	1.00%
24 - 35 months	$500	1.29%	1.30%	1.09%	1.10%
36 - 47 months	$500	1.98%	2.00%	1.78%	1.80%
48 - 59 months	$500	2.48%	2.51%	2.28%	2.30%
60 months	$500	3.21%	3.26%	3.01%	3.05%

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"Easy Access" Certificate - Up to 3 penalty-free withdrawals ⁽⁷⁾

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
11 months	$2,500	0.70%	0.70%	0.50%	0.50%

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"Callable" Certificate - A Premium Rate certificate that can be called back anytimeafter the 1st year ⁽⁷⁾

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
48 months	$5,000	2.96%	3.00%	2.76%	2.80%

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"Bump-Up" Certificate - Increase the rate on your entire balance with a $1,000additional deposit⁽⁷⁾

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
60 months	$2,500	2.38%	2.41%	2.18%	2.20%

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Traditional and Roth IRAs, and Coverdell Education Savings Accounts ⁽¹⁾ ^{(7) (8)}

		Resource Rewards Platinum		Regular
	Minimum⁽²⁾	Rate⁽⁴⁾	APY⁽⁵⁾	Rate	APY⁽⁵⁾
3 - 5 months	$500	0.50%	0.50%	0.30%	0.30%
6 - 11 months	$500	0.75%	0.75%	0.55%	0.55%
12 - 23 months	$500	1.20%	1.21%	1.00%	1.00%
24 - 35 months	$500	1.29%	1.30%	1.09%	1.10%
36 - 47 months	$500	1.98%	2.00%	1.78%	1.80%
48 - 59 months	$500	2.48%	2.51%	2.28%	2.30%
60 months	$500	3.21%	3.26%	3.01%	3.05%

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IRA Variable Savings ^{(1) (8)}

	Resource Rewards Platinum		Regular
Minimum⁽²⁾	Rate⁽³⁾⁽⁴⁾	APY⁽⁵⁾	Rate⁽³⁾	APY⁽⁵⁾
$0 - $999.99	0.25%	0.25%	0.05%	0.05%
$1,000 - $4,999.99	0.45%	0.45%	0.25%	0.25%
$5,000 - $24,999.99	0.90%	0.90%	0.70%	0.70%
$25,000 - $49,999.99	0.90%	0.90%	0.70%	0.70%
$50,000 - $74,999.99	0.90%	0.90%	0.70%	0.70%
$75,000 and over	0.90%	0.90%	0.70%	0.70%

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(1) Fees may reduce earnings on these accounts: Savings, Interest Checking, Money Market and IRAs
(2) Minimum Balance to earn stated Annual Percentage Yield (APY). If a range is shown as a deposit tier, the starting balance shown in that tier is the Minimum Balance needed to earn the stated Annual Percentage Yield (APY)
(3) Rate is variable and may change after the account is opened
(4) Interest rates for the Resource Rewards "Gold" Reward level are .15% higher than the "Regular" interest rate, and interest rates for the Resource Rewards "Silver" Reward level are .10% higher than the "Regular" interest rate. For IRAs, interest rates for the Resource Rewards "Gold" Reward level are .15% higher than the "Regular" interest rate, but IRAs do not qualify for Resource Rewards "Silver" Reward level.
(5) APY = Annual Percentage Yield
(6) Minimum Balance to open = $100.00
(7) An early withdrawal penalty will be imposed
(8) Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.

Savings & Checking

Savings (1)

Interest Checking (1)

Money Market (1)

Certificates

Specials - Certificates and IRAs (1) (7) (8)

Regular Certificates - Flexible terms let you pick the maturity date (7)

"Easy Access" Certificate - Up to 3 penalty-free withdrawals (7)

"Callable" Certificate - A Premium Rate certificate that can be called back anytime after the 1st year (7)

"Bump-Up" Certificate - Increase the rate on your entire balance with a $1,000 additional deposit (7)

Traditional and Roth IRAs, and Coverdell Education Savings Accounts (1) (7) (8)

IRA Variable Savings (1) (8)