Savings/Share Account Rates
It pays to save.

Red River Employees Federal Credit Union

Rates Effective: 9/28/2022

(Rates subject to change, call 903-735-3000 or 800-822-3317 for current rates)

Account Type	Minimum Balance	Dividend Credited/ Compounded	Dividend Rate	Annual Percent Yield
Regular Savings HSA Savings ($5 Opening Balance)	$5.00	Quarterly	0.10 %	0.10 %
Commercial Savings ($5 Opening Balance)	$0.00	Quarterly	0.10 %	0.10 %
IRA Savings ($0 Opening Balance)	$0.00	Quarterly	1.50 %	1.50 %
Christmas Savings ($0 Opening Balance)	$0.00	Quarterly	0.10 %	0.10 %
Tax Savings ($0 Opening Balance)	$0.00	Quarterly	0.10 %	0.10 %

Account Type	Minimum Balance	Dividend Credited/ Compounded	Dividend Rate	Annual Percent Yield
Varsity Club, HSA Checking, Organizational, Non Profit, Sole Proprietorship, Business Checking (Checking-Ck*) ($0 Opening Balance)	$0.00	Monthly	0.05 %	0.05 %
MembersChoice Premier Checking ($0 Opening Balance)	$0.00	Monthly	0.05 %	0.05 %
Money Market ($2,500 Opening Balance)	$2,500 - $24,999.99 $25,000 - $149,999.99 $150,000+	Monthly	0.75 % 1.00 % 1.25 %	0.75 % 1.00 % 1.25 %
Commercial Money Market ($2,500 Opening Balance)	$2,500 - $24,999.99 $25,000 - $149,999.99 $150,000+	Monthly	0.75 % 1.00 % 1.40 %	0.75 % 1.00 % 1.40 %

All rates are based on a Daily Balances.
* No Longer Available as of 08/01/2016

Minimum opening and running balance for IRA Certificates is $500 unless indicated otherwise.

Account Type	Dividends Credited/ Compounded	Monthly/ Quarterly Dividend Rate	Monthly/ Quarterly APY*
12 Months	Monthly/Quarterly	3.15 %	3.19 % / 3.18 %
18 Months	Monthly	3.40 %	3.45 %
24 Months	Monthly/Quarterly	3.50 %	3.55 % / 3.54 %
36 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %
48 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %
60 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %

*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.

Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise.

Account Type	Dividends Credited/ Compounded	Monthly/ Quarterly Dividend Rate	Monthly/ Quarterly APY*
6 Months	Monthly/Quarterly	2.75 %	2.78 % / 2.77 %
12 Months	Monthly/Quarterly	3.15 %	3.19 % / 3.18 %
18 Months	Monthly	3.40 %	3.45 %
24 Months	Monthly/Quarterly	3.50 %	3.55 % / 3.54 %
36 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %
48 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %
60 Months	Monthly/Quarterly	3.00 %	3.04 % / 3.03 %

*APY=Annual Percentage Yield. Rate subject to change without notice. A penalty will be imposed for early withdrawal.