Savings Rates

All rates effective July 1, 2010; subject to change. Your Savings can be set up for automatic deposits and most accounts can be used for overdraft protection. Please call 800-755-0055 for current information.
	Checking Money Market Youth Certificates Certificates / IRA Certificate s	Savings Health Savings Account Basic Deposit Insurance Coverage NCUSIF Insurance
Your savings at Altra are federally insured to $250,000 with IRA accounts insured separately for an additional $250,000. Insured accounts include all Savings, Checking, Money Market, Certificate and Club Accounts. The National Credit Union Share Insurance Fund (NCUSIF), is a federal fund backed by the full faith and credit of the United States government.

A+ Checking		Up to topp
A+ Balance	Dividend Rate for qualifying accounts	Annual Percentage Yield
Up to $25,000	2.960%	3.00%
Over to $25,000	0.499%	0.50%
Qualifying accounts get up to $20 in ATM fee refunds from any U.S. ATM monthly.

A+ Checking available for personal accounts only; one A+ Checking account per member. Please click here for complete disclosure information.

Platinum Checking		Up to topp
Average Daily Balance	Dividend Rate	Annual Percentage Yield
$25,000-$74,999	0.995%	1.00%
$75,000 & over	1.193%	1.20%

No monthly service charge if $25,000 average daily balance is maintained. $10 monthly fee if average daily balance falls below $25,000. Platinum Checking Accounts earn 0.25% dividend rate with 0.25% APY if balance falls below required minimum. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Contact Altra for additional account disclosure information.

Premium Checking		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$500 average daily	0.399%	0.40%

No monthly service charge if $500 average daily balance is maintained. $5.00 monthly fee if average daily balance falls below $500. Dividend Rate subject to change.

Business Checking with Dividends		Up to topp
Daily Minimum Balance	Dividend Rate	Annual Percentage Yield
$5,000 - $9,999	0.598%	0.60%
$10,000 - $19,999	0.648%	0.65%
$20,000+	0.698%	0.70%

No monthly service charge if $2,000 daily balance is maintained. Dividends earned on balances $5,000 or greater. $15 monthly fee if daily balance falls below $2,000. Dividend Rate subject to change. Dividends are compounded monthly and paid monthly. The dividend period is monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the collected balance, above $5,000, in the account each day. Dividends will begin to accrue on the business day the items are assumed collected in your account. If the balance drops below $5,000, the account will not be paid a dividend for that day, but will not lose the dividends earned for the entire month

Traditional Money Market		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$2,500 - $9,999	0.896%	0.90%
$10,000 - $19,999	0.946%	0.95%
$20,000+	0.995%	1.00%

All Money Market Accounts earn 0.25% dividend rate with 0.25% APY if balance falls below required minimum. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Contact Altra for additional account disclosure information.

Platinum Money Market		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$35,000 - $49,999	0.995%	1.00%
$50,000 - $74,999	1.094%	1.10%
$75,000 - $99,999	1.193%	1.20%
$100,000 - $149,999	1.292%	1.30%
$150,000+	1.391%	1.40%

SPECIAL Grow Green Youth Certificate			Up to topp
Term	Minimum Balance	Dividend Rate	Annual Percentage Yield
Child's 18th birthday*	$25	7.254%	7.50%
• Available for Altra members age 12-17 • Term will vary - certificate maturity date is the child's 18th birthday • $25 minimum deposit required • Certificate can only be in a child's name • Only one certificate per child can be opened • Certificate can be added to at any time, up to the limit of $1,000

*Rate subject to change. Penalty of 100% of earned dividendswill be imposed for withdrawal before child's 18th birthday. Additional Youth Certificates that earn Altra's published Certificate rates can be set up under the Uniform Transfer to Minors Act (UTMA) with no maximum.

Youth Certificates			Up to topp
Term	Minimum Balance	Dividend Rate	Annual Percentage Yield
see below	$250	see below	see below
For Altra members under age 18. Youth Certificates available with $250 minimum balance and can be added to at any time; same rates and terms as $1,000 minimum balance Certificates. See above section for rates and terms.

Certificate & IRA Certificate

Up to topp

Term

Minimum Balance

Dividend Rate

Annual Percentage Yield

48 & 60 month

$1,000

2.379%

2.40%

$50,000

2.477%

2.50%

$100,000

2.575%

2.60%

36 months

$1,000

2.084%

2.10%

$50,000

2.182%

2.20%

$100,000

2.280%

2.30%

24 months

$1,000

1.689%

1.70%

$50,000

1.788%

1.80%

$100,000

1.887%

1.90%

18 month
Step Up**

$1,000

2.084%

2.10% with checking

1.689%

1.70% w/o checking

12 months

$1,000

1.195%

1.20%

$50,000

1.294%

1.30%

$100,000

1.393%

1.40%

8 month
Special †**

$1,000

1.492%

1.50% with checking

1.095%

1.10% without checking

6 months †

$1,000

0.996%

1.00%

$50,000

1.095%

1.10%

$100,000

1.195%

1.20%

†6 and 8 month terms not available on IRA certificates. Penalty may be imposed for withdrawals made before maturity from all Certificates. A+ Checking earns 0.25% Annual Percentage Yield (APY) if all criteria is not met in any given cycle. All Money Market, High Rate Savings, and Platinum Checking Accounts earn 0.25% dividend rate with 0.25% APY if balance falls below required minimum. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Contact Altra for additional account disclosure information. For Business Rates click here.

**APYAnnual Percentage Yield-based on checking with direct deposit. Rate will revert to "No Checking" APY shown if no direct deposit during a cycle. Penalty for early withdrawal. Step Up Certificate allows a one-time rate change based on the then advertised rate for same term. Along with one-time rate change, you may also make an additional deposit to the certificate up to the original certificate deposit, not to exceed $50,000. Savings federally insured by NCUA to $250,000 with IRA Savings insured separately for an additional $250,000. Based on account ownership, you may be eligible for more insurance coverage on your savings. Contact Altra for complete details.

Health Savings Accounts		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$0 - $4,999	1.490%	1.50%
$5,000+	1.736%	1.75%

Dividend Rate subject to change.

High Rate Savings		Up to topp
Average Daily Balance	Dividend Rate	Annual Percentage Yield
$25,000-$74,999	0.995%	1.00%
$75,000 & over	1.193%	1.20%

All High Rate Savings Accounts earn 0.25% dividend rate with 0.25% APY if balance falls below required minimum. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields Altra anticipates paying for the applicable dividend period. Contact Altra for additional account disclosure information.

IRA Savings		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
No Minimum required	1.490%	1.50%

Dividend Rates subject to change.

Club Savings Account		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$0	0.300%	0.30%

Dividend Rate subject to change.

Regular / Special Savings		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$5.00	.300%	0.30%

$5 minimum balance is required for all Altra members; this is your ownership share in the Credit Union. This account pays dividends quarterly. Dividend Rate subject to change.