Jemez Valley Credit Union

Avg Balance

Nominal
Dividend
Rate

APY

Regular Share - Savings Account

• NO monthly service fee
• Must maintain $25.00 Par Share Deposit
• Dividends paid quarterly on balances of $100.00 and over
• Statement issued quarterly

$100 - $999.99

1,000.00 & up

0.25%

0.50%

0.25%

0.50%

Share Draft - Checking Account

• NO monthly service fee
• No minimum balance required
• Dividends paid monthly on balances of $2,000.00 and over
• FREE personalized checks with Direct Deposit of retirement (restrictions apply)
• Statement issued monthly

$0.00 - $1,999.99

$2,000 & up

-0-

0.20%

-0-

0.20%

Golden Share - Money Market Account

• Monthly Service Fee of $5.00 is waived with a minimum daily balance of $500.00
• Unlimited deposits
• Transaction fee of $5.00 after the 3rd withdrawal in a statement cycle
• Dividends paid quarterly on balances of $500.00 and over
• Statement issued quarterly
• Minimum withdrawal allowed $250.00

$500.01 - $10,000.00

$10,000.01 - $50,000.00

$50,000.01 - Up

0.40%

0.55%

0.75%

0.40%

0.55%

0.75%

IRA Shares - Individual Retirement Account

• $8.00 annual maintenance fee
• Dividends paid quarterly on all balances
• Statement issued quarterly

IRA Shares:

0.65%

0.65%

(Calculations all based on quarterly compounding)

All APY calculations, except Golden Share and Share Draft Accounts, based on $1,000.00 balance. Golden Share and Share Draft Account calculations based on $500.00. * APY Calculations based on quarterly compounding and minimum balance as listed per account type. The rates as shown above are 1st QTR 2010 dividends as declared by the Board of Directors January 12, 2010.