Certificate and IRA Account Rates
| 91 Days |
0.08% |
0.08% |
| 6 months |
0.12% |
0.12% |
| 12 months |
0.20% |
0.20% |
| 15 months "FLEX"* |
0.25% |
0.25% |
| 18 months |
0.25% |
0.25% |
| 24 months |
0.35% |
0.35% |
| 33 months "FLEX"* |
.995% |
1.00% |
| 36 months |
0.55% |
0.55% |
| 48 months |
0.75% |
0.75% |
| 60 months |
1.14% |
1.15% |
| 60 month Liquid IRA** |
1.735% |
1.75% |
| 72 months |
1.49% |
1.50% |
| 84 months |
1.49% |
1.50% |
| 96 months |
1.49% |
1.50% |
| 108 months |
1.49% |
1.50% |
| 120 months |
1.49% |
1.50% |
| 16 months "AWARE" *** |
0.50% |
0.50% |
Rates as of 05/01/2013.
*The dividend rate payable on a “FLEX" certificate may change if a member exercises his one time right to increase the dividend rate during the term of the certificate to the rate then offered by FORUM on “FLEX” certificates with an identical initial term. In the event that a member elects to increase the dividend rate on his “FLEX” certificate, the increase would not become effective until the first day of the month following the member’s exercise of this election.
**The dividend rate and annual percentage yield (APY) on a Liquid IRA Certificate may change if a member exercises his right to add $1,000 or more to the certificate balance and increase the dividend rate and annual percentage yield (APY) during the rate adjustment period of January 1 through April 15 of each year during the certificate term. The rate and yield may increase only if the current rate offered by FORUM on the Liquid IRA Certificate with an identical initial term has increased and $1,000 or more is added to the certificate balance.
***Available for Aware Accounts only, ages 0-19. Deposits of $20 or more can be made to the certificate at any time.
Rates are subject to change without notice. See the appropriate account terms and conditions, fee disclosure and deposit rate sheet for minimum balance requirements and dividend information.