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Term Savings Special

Merced School Employees Federal Credit Union
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We’re Shaking Things Up - Again!

This February, MSEFCU invites you to seize another limited-time opportunity with our 5-Month Term Savings Special at a sweet 5.12% APY*.

It's a Sweet Opportunity to Earn More.

Take advantage of our 5-month Term Savings Special between February 1st and 29th and embrace the sweetness of this secure, short-term investment with MSEFCU.

How to Get Started:

No matter how you choose to request the Special 5-Month Term Savings, we'll guide you through the process, and voila, you're earning more!

Not yet a member? Check out Who Can Join and Become a Member today.
 

MSEFCU's 5-Month Term Savings Special
Dividend Rate Annual Percentage Yield* Term length
5.00% 5.12% 5 Months
*APY=Annual Percentage Yield. Promotional 5 Month Term Savings Special. Limited time offer is available February 1, 2024 through February 29, 2024, and requires a minimum deposit of $2,000 or $1,000 for Smart Start account holders. Some restrictions apply. Dividends compound monthly. The Term Deposit is non-renewable and will be automatically deposited back into your specified savings account upon maturity. Other rates and terms available. Penalty for early withdrawal. Rates subject to change. Federally insured by the NCUA.

What is the difference between APY and the dividend rate?
APY: APY stands for Annual Percentage Yield. It’s a percentage that tells you how much money you can expect to earn on your term savings over one year (12 months) and includes compound interest. APY may be higher than the dividend rate due to compound interest.

Dividend Rate: The dividend rate (aka interest rate) is used to calculate the amount of money that will be deposited as dividends each month. Dividends are commonly referred to as interest. Unlike APY, the dividend rate does not include compound interest.


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