Deposit Accounts

Product	Interest Rate	APY
Regular Savings	0.75%	0.753%
Home Savings (must have UWOCU mortgage loan)	2.00%	2.018%
Christmas Club (disburses 11/1 annually)	1.25%	1.260%
Vacation Club (disburses 3/1 annually)	1.50%	1.50%
Summer Savings (disburses 6/30, 7/31 & 8/31 annually)	1.50%	1.51%
6 month CD* (substantial penalty for early withdrawal)	2.75%	2.769%
12 month CD* (substantial penalty for early withdrawal)	3.125%	3.149%
14 month SPECIAL CD (substantial penalty for early withdrawal)	3.50%	3.533%
18 month SPECIAL CD (substantial penalty for early withdrawal)	3.50%	3.531%
24 month CD* (substantial penalty for early withdrawal)	3.50%	3.353%
36 month CD* (substantial penalty for early withdrawal)	3.65%	3.658%
IRAs	3.00%	3.042%
**Add .25% if you have a UWOCU Sharedraft Account* (Special CD's NOT eligible)
Money Market Savings**
$10,000 minimum balance	0.75%	0.753%
$25,000 minimum balance	2.00%	2.02%
$50,000 minimum balance	3.25%	3.30%
$100,000 minimum balance	3.50%	3.56%
**Rates subject to change without notice

Minimum balance requirements:
Certificates $1,000
Deposit accounts $25, $100 to earn interest

APY vs APR - why are the rates different?

A share account is your first step toward saving with your credit union. A share account works just like a regular savings account. A deposit of $25 is all it takes to open a Share Account. You will receive interest on a balance of $100 or more.

Have you found it difficult in the past to save for your ideal spring break trip? This new plan makes it easy to save for the vacation you've always wanted. Any member of the credit union may open a vacation club account. By making regular deposits on a weekly, bi-weekly or monthly basis vacation club members can enjoy an affordable way to budget for their spring spending plans. Payroll deduction is available for effortless saving.

Dividends will be credited annually and posted to your account on the last day of February. You must maintain a minimum day to obtain the disclosed annual percentage yield (1.25 APY).

For more information or to open a vacation club account please contact the credit union.

A special club savings account designed with UW Oshkosh faculty in mind! If you are a UW Oshkosh faculty member on a 9-month payroll you're sure to be interested in this innovative account. Call a member service rep today for details. Share Accounts

The traditional Christmas Club account from the days of old! You can make regular deposits, automatic transfers and lump sum deposits to build up that Holiday Cash. This account will automatically be paid out to your savings account, or checking if you prefer, on November 1 of each year. Don't wait for Santa, start saving today!

Our newest account, the Money Market Savings Account is designed for the member seeking a competitive high yield account with the benefits of easy access to funds plus NCUA insurance. Minimum balance to open the account is $10,000 and it pays a high yield on balances of $25,000 and $50,000. Please see our current Savings & Deposit Rates for current dividend yields. Stop in today at either location to get the benefit of this high yield account.

Our money market accounts are savings accounts, and therefore do not offer the option to write checks. There is a limit of 6 withdrawals a month as per Reg D.

E-mail us at uwoshcu@uwosh.edu. We will get back to you within one business day. Copyright © 2006 UW Oshkosh Credit Union Last modified: 4/29/08

E-mail us at uwoshcu@uwosh.edu. We will get back to you within one business day.
Copyright © 2006 UW Oshkosh Credit Union
Last modified: 4/29/08