Landings Credit Union
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Investment Accounts

Landings Credit Union offers a variety of investment accounts. Together we can make your money start working for you so you can achieve all of your financial goals.

Money Market Accounts

The Landings Credit Union Money Market Account offers you an account where you can earn high rates of return and enjoy the flexibility and accessibility of a checking account.

The Money Market Account structure is as follows:

  • Interest is compounded and paid monthly
  • A total of 6 withdrawals allowed per month
  • You must maintain a balance above $1000 at month's end. There is a one-time per month fee of $10 for falling below $1000 at month end.
  • Checks may be written from your money market account.

Please refer to our fee schedule for all applicable fees.

Money Market Rates APY* Minimum
Opening
Balance
Minimum Balance
To Earn
APY*
Money Market Savings 0.03% $1000 $1000
*APY (ANNUAL PERCENTAGE YIELD) correct as of 2/25/2014. APY is variable (except Share & IRA Certificates) and may change monthly. Yield is calculated and credited monthly based on the Daily Balance Method. The dividend period begins on the first calendar day of the month and ends on the last day of the month. First 3 checks and transfers per month free. Fee will be assessed if balance falls below $1000 minimum. Fees could reduce earnings. Because Share Savings and Share Checking dividends are paid monthly, posted rates are anticipated rates for the month. All rates subject to change without notice.

Share Certificates

Share Certificates allow you to invest at a predetermined rate over a stated period of time. Competitive rates, along with security, make this a wise investment. The minimum investment is $500 and there may be a penalty for early withdrawal.

Certificate Rates APY* Minimum
Opening
Balance
Minimum Balance
To Earn
APY*
6 month 0.20% $500 $500
12 month 0.30% $500 $500
18 month 0.35% $500 $500
24 month 0.60% $500 $500
36 Month-STEP-UP CERTIFICATE** 1.05% $500 $500
36 Month-FIXED RATE CERTIFICATE 1.05% $500 $500
48 month 1.30% $500 $500
60 Month-STEP-UP CERTIFICATE** 2.00% $500 $500
60 Month-FIXED RATE CERTIFICATE 2.00% $500 $500
*APY (ANNUAL PERCENTAGE YIELD) correct as of 2/25/2014. For more information about rates and fees for these accounts contact your local office or phone 480.967.9475. Fees could reduce earnings. Each member account insured to $250,000 by the National Credit Union Administration, an Agency of the U.S. Government. All rates subject to change without notice. All dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period, and are not guaranteed. **Beginning rate applicable to product.

IRAs

It's never too early to start planning for your retirement. Be financially secure in your golden years with a Landings Credit Union IRA. An IRA is a way for wage earners to save a portion of their income for retirement. This long-term investment lets you earn interest while deferring taxation. Income set aside in an IRA may also be tax deductible if you qualify. We offer both IRA Shares and Certificates. You can transfer an existing IRA at another financial institution to Landings Credit Union without penalty. Restrictions apply; please consult with your tax advisor for more information.

Savings Rates APY* Minimum
Opening
Balance
Minimum Balance
To Earn
APY*
IRA Savings 0.05% None $0.01
IRA Certificate Rates APY* Minimum
Opening
Balance
Minimum Balance
To Earn
APY*
12 Month 0.35% $2,000 $2,000
18 Month 0.40% $2,000 $2,000
24 Month 0.70% $2,000 $2,000
30 Month 0.95% $2,000 $2,000
36 Month 1.25% $2,000 $2,000
60 Month 2.10% $2,000 $2,000
*APY (ANNUAL PERCENTAGE YIELD) correct as of 2/25/2014. APY is calculated and credited monthly based on the Daily Balance Method. Because Share Savings and Share Checking dividends are paid monthly, posted rates are anticipated rates for the month. The Dividend period begins on the first calendar day of the month and ends on the last day of the month. Some share accounts may have limited withdrawals or transfers per month in accordance with Regulation D. Refer to Member Account Agreement for additional details. All rates subject to change without notice.


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