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Share & Certificate Rates

Account Name

Minimum
Opening
Balance

Minimum
to Earn
Dividend

Dividend
Rate

Annual
Percentage
Yield*
Savings $25 Under $100 0.000 0.00
100 - 2,499 0.100 0.10
2,500 - 9,999 0.100 0.10
10,000 & over 0.150 0.15
Money Market $2,500 $1 0.000 0.00
1 - 2,499 0.050 0.05
2,500 - 9,999 0.100 0.10
10,000 - 49,999 0.150 0.15
50,000 - 99,999 0.250 0.25
100,000 & over 0.349 0.35
IRA Savings $100 Under $100 0.000 0.00
$100 & over 0.100 0.10
Plus Checking $25 $1 & over 0.050 0.05
Business Interest Checking $100.00 $1 & over 0.050 0.05

Account Name

Minimum
Opening
Balance

Certificate
Term

Dividend
Rate

Annual
Percentage
Yield*
Share Certificates $1,000 3 Months 0.200 0.20
6 Months 0.300 0.30
12 Months ** 0.349 0.35
24 Months 0.549 0.55
36 Months 0.847 0.85
48 Months 1.094 1.10
60 Months 1.292 1.30
IRA Certificates $1,000 3 Months 0.200 0.20
6 Months 0.300 0.30
12 Months ** 0.349 0.35
24 Months

0.549

 0.55
36 Months 0.847 0.85
48 Months 1.094 1.10
60 Months 1.292 1.30
Jumbo Certificates-IRA and Non-IRA $100,000 3 Months 0.200 0.20
6 Months 0.300 0.30
12 Months ** 0.349 0.35

Kern FCU Shares Disclosure


*APY= Annual Percentage Yields shown are those in effect as of June 1, 2013, and may be subject to change at any time.  Dividend Yields are determined by the Board of Directors. NOTICE: Dividends for all accounts listed above are based on the Credit Unions earnings at the end of a dividend period and thus cannot be guaranteed. The approximate Annual Percentage Yield is indicated for the initial period and is given for comparative purposes only. The actual percentage yield is dependent upon a number of variable factors such as: type of account rate, term, etc. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. There may be a penalty for early withdrawal of IRA funds. Fees incurred may reduce earnings on any of these accounts. NCUA Your savings are federally insured to at least $250,000, and backed by the full faith and credit of the United States Government.

The payment of dividends is governed by the National Credit Union Administration (NCUA), a U.S. Government agency.

** One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate.
** One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00.

All rates and discounts are subject to change without notice.
For current information, call (661) 327-9461.
 

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Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

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International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

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