Savings & Checking Rates

Rates are effective as of:
Monday, October 17, 2011

Rates are subject to change at any time.

Some accounts require minimum balances and are subject to early withdrawal penalties. For further information regarding rates, fees and terms for specific accounts please contact your Silver State Schools Credit Union representative at (702) 733-8820 or (800) 357-9654.

Account Type	Rate	APY*
Regular Savings (Membership Account): Minimum $100 to open	0.05 %	0.05 %
Junior Savings (Membership Account) (Newborn – age 17): Minimum $25 to open	0.05 %	0.05 %
MY Account Savings (Age 18 – 25): Minimum $50 to open	0.05 %	0.05 %
Regular Checking: Balances from $0.00-$999.99	0.00 %	0.00 %
Balances from $1,000.00-$4,999.99	0.05 %	0.05 %
Balances from $5,000.00 and above	0.05 %	0.05 %

Member Advantage
Adult Account (Age 18+)
Regular Savings & a designated Checking: Paid on daily min. balance up to $500.00; applied to both Regular (Membership) Savings and Checking.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up on Regular Savings.	0.05 %	0.05 %
MY Account (Adults age 18 to 25)
Regular Savings & a designated Checking: Paid on daily min. balance up to $500.00; applied to both Regular (Membership) Savings and Checking.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up on Regular Savings.	0.05 %	0.05 %
Junior Members (Newborn to age 17)
Regular Savings: Paid on daily min. balance up to $500.00; applies to Regular (Membership) Savings.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up on Regular Savings.	0.05 %	0.05 %
In addition to the above balance requirements, certain other criteria must be met, in order to receive the SSSCU's Member Advantage program benefits; these are:
Adult (voting member 18 and over): Enrollment in e-Statements. Use e-Pay (bill payer) two times or more each month OR have a monthly Direct Deposit of $500 or more. MY Account Young Adult (non-voting members, ages 18 to 25): Enrollment in e-Statements. Electronic Checking. Junior (newborn through age 17): Enrollment in e-Statements. NOTE: EACH MONTH, A MEMBER'S LEVEL OF BENEFITS WILL BE AUTOMATICALLY CALCULATED (BASED ON THE CRITERIA SET OUT ABOVE) AND ADJUSTED TO ENSURE SSSCU'S MEMBER ADVANTAGE PROGRAM REQUIREMENTS ARE MET. IF ALL REQUIREMENTS ARE NOT MET, SSSCU'S MEMBER ADVANTAGE PROGRAM RATE ON SAVINGS AND CHECKING REVERTS TO THE PUBLISHED RATE(S) ON REGULAR SAVINGS AND CHECKING.

Regular Certificates Minimum $500 to open
3-5 month	0.15 %	0.15 %
6-11 months	0.25 %	0.25 %
12-23 months	0.40 %	0.40 %
24-35 months	0.50 %	0.50 %
36-47 months	0.95 %	0.95 %
48-59 months	1.09 %	1.10 %
60 months	1.69 %	1.70 %

Jumbo Certificates Minimum $100,000 to open
6-11 months	0.30 %	0.30 %
12-23 months	0.45 %	0.45 %
24-35 months	0.55 %	0.55 %
36 months	1.00 %	1.00 %

Retirement Accounts
Traditional & Roth IRA Savings/Education IRA Savings
$0-$2,499	0.25 %	0.25 %
$2,500-$24,999	0.25 %	0.25 %
$25,000+	0.25 %	0.25 %
Traditional & Roth IRA Certificates & Education IRA Certificates Minimum $500 to open
12-23 month	0.40 %	0.40 %
24-35 month	0.50 %	0.50 %
36-47 month	0.95 %	0.95 %
48-59 month	1.09 %	1.10 %
60 month	1.69 %	1.70 %

Jumbo IRA Certificates Minimum $100,000 to open
12 month	0.45 %	0.45 %
24 month	0.55 %	0.55 %

Insured Money Market Account Minimum $2,500 to open
$0 - $2,499	0.05 %	0.05 %
$2,500 - $24,999	0.05 %	0.05 %
$25,000+	0.15 %	0.15 %

Insured Money Market Plus Minimum $100,000 to open
$0 - $99,999	0.05 %	0.05 %
$100,000+	0.30 %	0.30 %

* Indicates Annual Percentage Yield