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IRAs & Certificates

The rates applicable to TruChoice's higher-rate share accounts are provided below. Annual Percentage Yield (APY) is accurate as of 8/1/2016.  TruChoice may offer other rates for these accounts from time to time. With the exception of Share Certificate rates, these are variable rate accounts and may change at any time without notice. See our Truth-In-Savings Disclosure.

Share Certificates (product information)

If you qualify for Member's Choice, you could receive an additional 0.25% on our published certificate rates.

Term of CertificateDividend RateAPYMin OpenMin Balance
6 Months 0.25% 0.25% $2,500 $2,500
1 Year 0.40% 0.40% $2,500 $2,500
2 Years 0.65% 0.65% $2,500 $2,500


Balance Method: Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

Additional deposits are not allowed.  Dividend withdrawal is allowed.  Certificate renewal is automatic.  See Truth-in-Savings Disclosure.

Money Market Accounts -  (product information)

Daily BalanceDividend RateAPYMin OpenMin Balance
<$200 0.00% 0.00% $2,500 $0
$200 - $2,499 0.100% 0.100% $2,500 $200
$2,500 - $9,999 0.100% 0.100% $2,500 $2,500
$10,000 - $24,999 0.150% 0.150% $2,500 $10,000
$25,000 - $74,999 0.200% 0.200% $2,500 $25,000
$75,000+ 0.250% 0.250% $2,500 $75,000

Withdrawal Limitations:  6/month
Balance Method: Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

Minimum balance is required to obtain the respective APY for the dividend period.  Entire balance is subject to corresponding APY.

Individual Retirement Accounts (IRA) (product information)

Average Daily BalanceDividend RateAPYMin OpenMin Balance
<$200 0.000% 0.000% $0 $0
$200 - $2,499 0.200% 0.200% $0 $200
$2,500 - $9,999 0.500% 0.500% $0 $2,500
$10,000 - $24,999 0.995% 1.0000% $0 $10,000
$25,000 - $74,999 1.242% 1.250% $0 $25,000
$75,000+ 1.341% 1.350% $0 $75,000

Balance Method: Average Daily Balance
Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

Minimum balance is required to obtain the respective APY for the dividend period. Withdrawal and deposit limitations apply.

Funds in your accounts at TruChoice are insured to at least $250,000 by the National Credit Union Administration (NCUA) and are backed by the full faith and credit of the United States Government.  TruChoice provides additional share insurance covering an additional $250,000. Certain IRAs are insured up to $250,000.  Copies of the NCUA brochure "Your Insured Funds" are available at each TruChoice office and are also available by mail upon request.

TruChoice Federal Credit Union • PO Box 10659, Portland, ME 04104 • Toll-free: 1.800.639.5550 • Email: trufcu@trufcu.com © 2006-2017 TruChoice Federal Credit Union

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