Veritas Federal Credit Union

Investment Rates

Rates Effective February 1, 2020


Description TERM FIXED / VARIABLE Minimum to Open Minimum
to earn dividends
Dividend Rate Annual Percentage Yield Dividend Declaration



CERTIFICATES
Certificates 6 Months Fixed $1,000.00 $1,000.00 1.100% 1.10% Quarterly
Certificates 12 Months Fixed $1,000.00 $1,000.00 1.250% 1.25% Quarterly
Certificates 18 Months Fixed $1,000.00 $1,000.00 1.500% 1.51% Quarterly
Certificates 24 Months Fixed $1,000.00 $1,000.00 1.750% 1.76% Quarterly
Certificates 36 Months Fixed $1,000.00 $1,000.00 1.850% 1.86% Quarterly
Certificates* 60 Months Fixed $1,000.00 $1,000.00 2.000% 2.02% Quarterly
IRA ACCOUNTS
IRA Certificate 18 Months Fixed $500.00 $500.00 1.500% 1.51% Quarterly
IRA Certificate 36 Months Fixed $500.00 $500.00 1.850% 1.86% Quarterly
Roth IRA Certificate 12 Months Fixed $500.00 $500.00 1.250% 1.25% Quarterly
Roth Convertible Certificate 12 Months Fixed $500.00 $500.00 1.250% 1.25% Quarterly


Money Market

Rates Effective February 1, 2020

Description Rate Type Minimum to Open Maximum Balance Dividend Rate Annual Percentage Yield Dividend Declaration
Tier Rate I Variable $5,000.00 $24,999.99 0.40% 0.40% Monthly
Tier Rate II Variable $25,000.00 $49,999.99 0.60% 0.60% Monthly
Tier Rate III Variable $50,000.00 $99,999.99 0.80% 0.80% Monthly
Tier Rate IV Variable $100,000.00 above 1.00% 1.00% Monthly


Share Rates

Rates Effective February 1, 2020

Description Rate Type Minimum to Open Minimum
to earn dividends
Dividend Rate Annual Percentage Yield Dividend Declaration
Share Savings Variable $25.00 $25.00 0.100% 0.10% Quarterly
Youth Savings Variable $25.00 $25.00 0.100% 0.10% Quarterly
Christmas Club Variable $0.00 $50.00 0.250% 0.25% Quarterly
IRA Share Variable $5.00 $5.00 0.500% 0.50% Quarterly
Educational IRA Variable $25.00 $25.00 0.500% 0.50% Quarterly


Checking Account Rates

Rates Effective February 1, 2020


Description BALANCE Rate Type Minimum to Open Minimum
to earn dividends
Dividend Rate Annual Percentage Yield Dividend Declaration
Maximizer
Tiered Checking
$1,000 - $2,499 Variable $0.00 $1,000.00 0.00% 0.00% Monthly
$2,500 - $4,999 Variable $0.00 $1,000.00 0.05% 0.05% Monthly
$5,000 - $9,999 Variable $0.00 $1,000.00 0.10% 0.10% Monthly
$10,000 and over Variable $0.00 $1,000.00 0.15% 0.15% Monthly
Opportunity Checking - Variable $0.00 No Dividend 0.00% 0.00% Monthly


Veritas Federal Credit Union
One Nissan Way
Franklin, TN 37067

Mailing Address:
PO Box 2659
Smyrna, TN 37167

Main Phone: (615) 786-0452
Member Service: (855) 663-8328
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Routing Number: 064182605
VFCU NMLS #409723
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Savings/Checking:
    - Share Accounts
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Other Services:
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NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
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We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.