Rates & Fees

Savings Rates

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Last Updated: April 1, 2013

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Savings & Investments	Dividend Rate	Annual Percentage Yield	Minimum Balance
Savings	0.20	0.20	$5
Checking	0.05	0.05	$0
Club Accounts	0.20	0.20	$5

Term Share Certificates	Dividend Rate	Annual Percentage Yield	Minimum Balance
*Includes Traditional IRAs, Roth IRAs and CESA's (Educational IRA's)
90 Days	0.20	0.20	$1,000
180 Days	0.35	0.35	$1,000
1 Year/IRA*	0.55	0.55	$1,000
2 Year/IRA*	0.80	0.80	$1,000
3 Year/IRA*	1.05	1.06	$1,000
5 Year/IRA*	1.60	1.61	$1,000
1 Year Puppy Pak	0.55	0.55	$100
1 Year Teen	0.55	0.55	$500
Jumbo CD	.15 bps over 1-5 Year CD's		$90,000

Money Management	Dividend Rate	Annual Percentage Yield	Minimum Balance
Tier 1	0.20	0.20	$5
Tier 2	0.35	0.35	$5,000
Tier 3	0.45	0.45	$50,000
Tier 4	0.55	0.55	$100,000
Tier 5	0.55	0.55	$250,000

Individual Retirement (IRA)	Dividend Rate	Annual Percentage Yield	Minimum Balance
*Includes Traditional IRAs, Roth IRAs and CESA's (Educational IRA's)
IRA Advantage*	0.20	0.20	$5

All rates are subject to change without notice. A penalty may be imposed for early withdrawal which could reduce the earnings on the account. APY assumes dividends remaining in the account until maturity. A withdrawal will reduce earnings.

This Rate and Fee Disclosure sets forth current conditions, rates, fees, and charges applicable to your checking share, savings share and share certificate accounts at Houston Texas Fire Fighters Federal Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Disclosure and acknowledges that it is a part of the Account Contract.

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