PATFCU - Port Arthur Teachers Credit Union

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		Fees
		Savings Rates

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The following are savings and investment rates.

These rates are effective January 1, 2013.

The rates on this web-site are listed as "rate/annual percetage yield(APY)", for more information on calculation of savings interest, please contact the credit union.

The rates and information shown on this web-site are as accurate as possible. Information is subject to change without notice. Please contact the credit union to verify rates and information. Thank you.

Title	Regular Savings Account	Money Market Account	IRA	Checking	6 Month CD	12 Month CD	24 Month CD
Rates	0.15%/ 0.15%	0.20%/0.20%	0.25%/0.25%	0.05%/0.05%	0.30%/0.30%	0.40%/ 0.40%	0.50%/ 0.50%
Account Limitations	Account Transfer Limitation Apply	Account Transfer Limitation Apply	---	---	No Withdrawals without Penalty until Term Expires	No Withdrawals without Penalty until Term Expires	No Withdrawals without Penalty until Term Expires
Balance Method	Daily Balance	Daily Balance	Daily Balance	Daily Balance	Daily Balance	Daily Balance	Daily Balance
Minimum Balance to Earn the Stated APY	$25.00	$2,000.00	$25.00	---	$1,000.00	$1,000.00	$1,000.00
Minimum Balance to Avoid a Service Fee	---	---	---	---	---	---	---
Minimum Opening Deposit	$25.00	$2,000.00	$25.00	$25.00	$1,000.00	$1,000.00	$1,000.00
Dividend Period	Calender Month	Calender Month	Calender Month	Calender Month	Calender Month	Calender Month	Calender Month
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Compounded	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly