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Consumer Dividend Rates

Dividend Rates and Terms

Effective July 1, 2020

(1) Rates shown are anticipated, paid quarterly and may change quarterly. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends).

(2) Rates shown are anticipated, paid annually and may change annually. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends). Earn dividends on deposits up to $5,000.

*Promotional Rates

(3) Must maintain an average daily balance of $2,500 or a monthly fee of $9.95 will be applied. Rate will be paid on balances up to $15,000. One high yield account per TIN. Rate is variable and subject to change.

(3a) Must sign up for eStatements to avoid paper statement fee of $3.00

(3b) No required minimum balance or monthly fee.

(3c) Must maintain an average daily balance of $500 or a monthly fee of $5.95 will be applied.

(4) Rates shown are anticipated, paid monthly. Minimum balance requirements: $0 Min. $0 to open, $1,000 to earn dividends.


Share Certificate and IRA Certificate Rates

Effective July 1, 2020

(5) Rates fixed at time of investment. Minimum Deposit $500.00 for share certificates and $2,500 for IRAs. Total share certificate balances qualify for rate. Substantial penalty for early withdrawals.

(6) Bump Share Certificate – Member has the option to initiate a rate bump to the OCFCU prevailing rate for that term at any time during the fixed period.

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