Account Rates

Certificate Rates

Table data for Certificates & IRAs
Effective 12-21-2024
Term	Dividend Rate	Annual Percentage Yield	Alert Me
Standard and IRA: $100 Minimum			Alert Me
6 months	0.29%	0.30%

12 months	0.49%	0.50%

18 months	0.49%	0.50%

24 months	0.59%	0.60%

30 months	0.74%	0.75%

48 months	0.79%	0.80%

60 months	0.94%	0.95%

84 months	0.94%	0.95%

Super: $25,000 Minimum¹			Alert Me
24 months	0.74%	0.75%

30 months	0.89%	0.90%

48 months	0.94%	0.95%

60 months	1.09%	1.10%

84 months	1.09%	1.10%

Step-Up: $100 Minimum			Alert Me
25 month Step-Up	0.54%	0.55%

45 month Step-Up	0.74%	0.75%

Jumbo: $50,000 Minimum			Alert Me
3 months	0.24%	0.25%

6 months	0.39%	0.40%

12 months	0.64%	0.65%

MyTimes (members 50 and over): $100 Minimum			Alert Me
36 Months	0.99%	1.00%

MyTimes Plus (members 65 and over): $100 Minimum			Alert Me
12 Months	0.69%	0.70%

Member Rewards Silver: $100 Minimum			Alert Me
48 months	0.92%	0.93%

60 months	1.07%	1.08%

84 months	1.07%	1.08%

Member Rewards Gold: $100 Minimum			Alert Me
48 months	1.04%	1.05%

60 months	1.19%	1.20%

84 months	1.19%	1.20%

May be a penalty for early withdrawal on all certificates.
¹Coverdell IRAs are not eligible for the $25,000 minimum balance tier.↵

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Checking Account Rates

Table data for Member Protect Checking
Effective 12-21-2024
Minimum Balance	Dividend Rate	Annual Percentage Yield
$0 - $10,000	0.05%	0.05%

$10,000.01 - $20,000	0.15%	0.15%

$20,000.01 +	0.25%	0.25%

The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit¹ of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions² per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). Checking rates are effective as of the 1st of the current month. APYs are accurate as of the last dividend declaration date. No minimums to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. ¹A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. ²To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify.

Table data for Standard Checking
Effective 12-21-2024
Minimum Balance	Dividend Rate	Annual Percentage Yield
No Minimum Balance	0.05%	0.05%

Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Checking rates are effective as of the 1st of the current month. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

Table data for High Yield Checking
Effective 12-21-2024
Account Status	Minimum Balance	Dividend Rate	Annual Percentage Yield
Meet Criteria	$0 - $10,000	1.99%	2.00%

Meet Criteria	$10,000.01 and above	0.15%	0.15%

Do Not Meet Criteria	No minimum balance	0.05%	0.05%

High Yield Checking is limited to one per member (per membership). To earn the higher rate, you must opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account¹, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card linked to the High Yield Checking Account². Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Checking rates are effective as of the 1st of the current month. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. ¹A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. ²Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. To qualify, debit card transactions must process, post, and clear within the calendar month.

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Savings Account Rates

Table data for Regular Shares
Effective 12-21-2024
Minimum Balance	Dividend Rate	Annual Percentage Yield
$5	0.30%	0.30%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Regular Share rates are effective as of the 1st of the current month. Fees may reduce earnings on the account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

Table data for U Educate Summer Savings Account
Effective 12-21-2024
Minimum Balance	Dividend Rate¹	Annual Percentage Yield
$0 to $10,000.00	1.99%	2.00%

$10,000.01 and above	0.15%	0.15%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. U Educate Summer Savings Account rates are effective as of the 1st of the current month. Fees may reduce earnings on the account.
¹Dividend rates may change after account is opened.↵

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Money Market Account Rates

Table data for Money Market Accounts
Effective 12-21-2024
Money Market Account Types	Minimum Balance	Dividend Rate¹	Annual Percentage Yield	Alert Me
Tiered Money Market²				Alert Me
	$0 to $2,499.99 (fee applies)	0.25%	0.25%

	$2,500 to $14,999.99	0.25%	0.25%

	$15,000 to $24,999.99	0.25%	0.25%

	$25,000 to $49,999.99	0.30%	0.30%

	$50,000 to $99,999.99	0.30%	0.30%

	$100,000 and above	0.30%	0.30%

Tiered Money Market IRA³				Alert Me
	$100 to $14,999.99	0.25%	0.25%

	$15,000 to $24,999.99	0.25%	0.25%

	$25,000 to $49,999.99	0.30%	0.30%

	$50,000 to $99,999.99	0.30%	0.30%

	$100,000 and above	0.30%	0.30%

High Yield Money Market Account⁴				Alert Me
	Up to $74,999.99	0.00%	0.00%

	$75,000 - $124,999.99	0.50%	0.50%

	$125,000 - $199,999.99	0.65%	0.65%

	$200,000 - $499,999.99	0.80%	0.80%

	$500,000 - $749,999.99	0.95%	0.95%

	$750,000 and up	1.09%	1.10%

Fees may reduce earnings on the account.
¹Dividend rates may change after account is opened.↵ ²Tiered Money Market: Minimum balance, $2,500; $10 monthly fee if balance falls below $2,500.↵ ³Tiered Money Market IRA: Minimum balance $100; subject to state and federal rules and penalties, as applicable.↵ ⁴New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU↵

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