Savings Rates

Rates and terms are accurate as of August 1, 2008, and are subject to change without notice.
Please call our Member Services Department at 781 438-3959 or (978) 658-5394 for a current quote.

Account Type	Annual Percentage Rate	Annual Percentage Yield	Minimum W/D Balance Required
SAVINGS
Regular Shares (Savings) 1	1.00%	1.01%	$5.00
Organizational Shares 1	1.00%	1.01%	$5.00
Club (Holiday/Vacation) 1	1.00%	1.01%	$0
Share Draft Account (Checking) 1	0.25%	0.25%	$0
All Purpose Account 1	1.00%	1.01%	$0
IRA Traditional Shares	1.65%	1.67%	$5.00
IRA Roth/Education Shares	1.65%	1.67%	$5.00
TERM SHARE CERTIFICATES 2
6 month Certificate	2.79%	2.79%	$1,000
12 month Certificate	3.04%	3.04%	$1,000
18 month  "Bump-Up" Certificate3	3.26%	3.33%	$2,500
24 month Certificate	3.48%	3.48%	$1,000
36 month Certificate	3.89%	3.89%	$1,000
Youth Savings Certificates (6,12,24,36) 4 months	Same as Above	Same as Above	$250
36 month Jumbo IRA Certificate5	3.89%	3.89%	$30,000
60 month Jumbo IRA Certificate5	4.27%	4.27%	$30,000
1 Unless otherwise stated, dividends are compounded Monthly and credited monthly on Shares with $100 or more & Share Drafts with $500, based on the Average daily balance of your account.
2 Substantial penalties for early withdrawal may apply.
3  Members are offered one current rate change request (and a withdrawal or deposit) during the "Bump-Up" term.
4 Members must be 18 years old or under to be eligible.
5 Available for Traditional IRAs only. Insured up to $250,000 by the NCUA, an agency of the U.S. Government.

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40 Pine Street, Stoneham, MA  02180 · Office: 781-438-3959 · Fax: 781-438-6224 · Access24: 781-438-3092
200 Jefferson Road, Wilmington, MA  01887 · Office: 978-658-5394 · Fax: 978-988-0727 · Access24: 978-658-2122
www.smefcu.org · Routing & Transit # 2113-86005