| Account | Minimum to Open | Balance Required to Earn Interest | Interest Rate | APY* |
| 3 Month Term Share Certificate | $500.00 | $500.00 | 0.50% | 0.50% |
| 6 Month Term Share Certificate | $500.00 | $500.00 | 0.80% | 0.80% |
| 1 Year Term Share Certificate | $500.00 | $500.00 | 1.20% | 1.21% |
| 2 Year Term Share Certificate | $500.00 | $500.00 | 1.40% | 1.41% |
| 3 Year Term Share Certificate | $500.00 | $500.00 | 2.15% | 2.17% |
| 4 Year Term Share Certificate | $500.00 | $500.00 | 2.20% | 2.22% |
| 5 Year Term Share Certificate | $500.00 | $500.00 | 2.75% | 2.78% |
| One Year CD Saver | $50.00 | $50.00 | 1.20% | 1.21% |
*APY is Annual Percentage Yield. Early withdrawal penalties for remaining maturities less than 360 days is 90 days of interest. Early withdrawal penalties for maturities greater than 360 days is loss of interest (whether earned or not) equal to interest that would have accrued over 25% of the remaining term. Dividends are paid from current earnings available after required transfers to reserves and only after the Board of Directors of El Paso Employees Federal Credit Union formally declares the dividend rate at the end of each quarter. The Rates listed are prospective dividend rates and are subject to change without prior notice.
Please note the APY is accurate and effective as of January 1, 2012.
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