Certificate of Deposits – CODE Credit Union

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Share Certificates of Deposit

Term	Dividend Rate	Annual Percentage Yield	Minimum Investment	Compounding Frequency
6 Months	3.80%	3.87%	$5,000	Monthly
12 Months	3.80%	3.87%	$1,000	Monthly
12 Months Smart Saver	3.80%	3.87%	$500	Monthly
18 Months	3.76%	3.82%	$1,000	Monthly
24 Months	3.60%	3.66%	$1,000	Monthly
30 Months	3.55%	3.61%	$1,000	Monthly
36 Months	3.50%	3.56%	$1,000	Monthly
48 Months	3.50%	3.56%	$1,000	Monthly
Preferred Certificate
9 Months	3.90%	3.97%	$10,000	Monthly
15 Months	4.00%	4.07%	$10,000	Monthly
Youth Club Share Certificate
24 Months	3.60%	3.66%	$250	Monthly
Health Savings Account Certificate
12 Months	3.80%	3.87%	$1,000	Monthly

IRA Certificates of Deposit

Term	Dividend Rate	Annual Percentage Yield	Minimum Investment	Compounding Frequency

Term	Dividend Rate	Annual Percentage Yield	Minimum Investment	Compounding Frequency
Traditional IRA Certificate
6 Months	3.80%	3.87%	$500	Monthly
12 Months	3.80%	3.87%	$500	Monthly
12 Months Smart Saver	3.80%	3.87%	$500	Monthly
18 Months	3.76%	3.82%	$500	Monthly
24 Months	3.60%	3.66%	$500	Monthly
30 Months	3.55%	3.61%	$500	Monthly
36 Months	3.50%	3.56%	$500	Monthly
48 Months	3.50%	3.56%	$500	Monthly
Roth IRA Certificate
12 Months	3.80%	3.87%	$500	Monthly
12 Months Smart Saver	3.80%	3.87%	$500	Monthly
18 Months	3.76%	3.82%	$500	Monthly
24 Months	3.60%	3.66%	$500	Monthly
36 Months	3.50%	3.56%	$500	Monthly
48 Months	3.50%	3.56%	$500	Monthly
Educational IRA
12 Months	3.80%	3.87%	$500	Monthly
24 Months	3.60%	3.66%	$500	Monthly
36 Months	3.50%	3.56%	$500	Monthly
48 Months	3.50%	3.56%	$500	Monthly
Preferred Traditional or Roth IRA
9 Months	3.90%	3.97%	$10,000	Monthly
15 Months	4.00%	4.07%	$10,000	Monthly
Accumulator IRA
N/A	0.15%	0.15%	None	Quarterly

The dividend period for IRA Certificates is monthly and will be credited to the IRA Certificate. A penalty may be imposed for withdrawals before maturity.

All of the above pay monthly to the investment balance except the Accumulator IRA, which pays quarterly. Payment of dividends to another account such as checking can be arranged upon request.

The dividend period for Certificates is monthly and may be paid to the Certificate or an account of your choice. A penalty may be imposed for withdrawals before maturity.

*Youth Certificate – Cool Kids CODE Club and YES Club members are eligible to obtain a youth certificate in their name. A minimum deposit of $250.00 is required to open the certificate. Added deposits of $100.00 can be made during the term. The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.

*Smart Saver Certificate – A minimum deposit of $500.00 is required to open this certificate. Added deposits of $100.00 can be made during the term. The Smart Saver Certificate has a term of 12 months.