HEALTHCARE
1st
Federal Credit Union

 The Western Maryland Health System
Serving the Western Maryland Health System
Located at the Memorial Hospital Campus
of Cumberland, Maryland

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SHARE CERTIFICATES - CDs    At a Credit Union, you come first!

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 View of The Narrows in Cumberland, Maryland
The Narrows
Cumberland, MD

Share Certificates allow members to save money by locking into higher dividend rates.  In fact, certificates offer our highest dividend rates!  All share certificates require a minimum deposit of $500.00 and the terms range from 6 - 36 months.

Key Benefits

  • $500.00 minimum deposit
  • Our best dividend rates
  • 6 month CDs have a one-time add-on deposit option.
  • Current and new 12, 24 and 36 month CDs have a one-time BUMP-UP option during certificate term, but no add-on deposits
  • Watch for limited time special CD promotions
  • 10 day grace period at maturity, then automatically rolls over into a new certificate at the current rate. Alternatively, the Member may choose to convert to a different term CD or transfer to another savings account, or withdraw the funds.

Note:  If any CD is withdrawn before the maturity date (unless within the 10 day grace period prior to or following maturity date) there is a penalty of 3 months of dividends.

CD Rates as of 1 Nov 2008

Term

APR

APY

6 months

 3.22%

3.25%

12 months

 3.45% 3.49%

18 months

 3.90% 3.95%
24 months 3.90% 3.96%
36 months 3.95% 4.01%

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Copyright © 2006-2008 HEALTHCARE 1st Federal Credit Union
Website address:  http://www.healthcare1fcu.org
Last modified: October 15, 2008