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    Dividend Rates

    Houston Belt & Terminal

    Federal Credit Union

    Rate Schedule as of 1/20/2010

     

    Share Certificate Rates

     
     

    1 YEAR

    2 YEARS

    		 3 YEARS

    RATE

    APY

    		 RATE APY RATE APY

    $2,000 - $24,999

    1.50%

    1.51%

    		 1.50% 1.51% 1.50% 1.51%

    $25,000 - $74,999

    		 1.50% 1.51% 1.50% 1.51% 1.50% 1.51%

    $75,000 +

    		 1.50% 1.51% 1.50% 1.51% 1.50% 1.51%

    THE MINIMUM OPENING BALANCE IS $2,000.  THE DIVIDEND RATE IS FIXED AND WILL REMAIN IN EFFECT FOR THE TERM OF THE CD. APY= "ANNUAL PERCENTAGE RATE"
     

    MONEY MARKET RATES
     

    MINIMUM BALANCE IS $ 5,000                   RATE:  1.00%
     

    MONEY MARKET ALLOWS UP TO TWO WITHDRAWALS PER QUARTER.
     

    REGULAR SHARES RATE
     

    .50%

     

    SHARE DRAFT ACCOUNT 

    .25%
    *ALL RATES ARE SUBJECT TO CHANGE