Deposit Rates - Delaware State Police FCU

Effective: January 1, 2020

DIVIDEND RATES

Share Savings

Share Type	Rate (APR)	Annual Percentage Yield (APY)*
Regular Shares
$5 to $24,999	0.20%	0.20%
$25,000 & Over	0.25%	0.25%
Club Shares
$5.00 to $24,999	0.20%	0.20%
$25,000 & Over	0.25%	0.25%
Money Market ^{^}
$5,000 to $24,999	0.20%	0.20%
$25,000 & Over	0.30%	0.30%
IRA Accounts
Traditional IRA	0.65%	0.65%
Roth IRA	0.65%	0.65%
Coverdell ESA (Education Savings Account)	0.65%	0.65%
Kasasa Saver ^{^^}
$0.01 to $20,000	0.75%	0.75%
$20,000 & Over	0.33%	0.33%
Non-Qualifying Accounts	0.05%	0.05%

¹ $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^{^^} For KASASA products, please refer to a DSPFCU team member for details.

Share Draft (Checking)

Share Draft Type	Rate (APR)	Annual Percentage Yield (APY)*
Regular Share Draft	0.05%	0.05%
Kasasa Cash Checking ^{^^}
$0.01 to $7,500	2.75%	2.75%
$7,500 & Over	0.42%	0.42%
Non-Qualifying Accounts	0.05%	0.05%

¹ $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^{^^} For KASASA products, please refer to a DSPFCU team member for details.

Share Certificates

Share Certificate Type	Rate (APR)	Annual Percentage Yield (APY)*
$500 Minimum ^**
6 Months	0.50%	0.50%
9 Months	1.00%	1.00%
12 Months	1.82%	1.84%
18 Months	2.00%	2.02%
24 Months	2.30%	2.32%
36 Months	2.40%	2.43%
48 Months	2.55%	2.58%
60 Months	2.70%	2.73%

² Minimum daily balance of $500 is required.
Penalties apply for early withdrawal.

Jumbo Share Certificates

Share Certificate Type	Rate (APR)	Annual Percentage Yield (APY)*
$25,000 Minimum ^**
6 Months	0.55%	0.55%
9 Months	1.00%	1.00%
12 Months	1.85%	1.87%
18 Months	2.05%	2.07%
24 Months	2.35%	2.38%
36 Months	2.45%	2.48%
48 Months	2.60%	2.63%
60 Months	2.75%	2.79%

³ Minimum daily balance of $25,000 is required.
Penalties apply for early withdrawal.

¹ $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^{^^} For KASASA products, please refer to a DSPFCU team member for details.

IRA Share Certificates

Share Certificate Type	Rate (APR)	Annual Percentage Yield (APY)*
$500 Minimum ^**
6 Months	1.00%	1.00%
9 Months	1.10%	1.11%
12 Months	1.82%	1.84%
18 Months	2.02%	2.04%
24 Months	2.89%	2.93%
36 Months	2.94%	2.98%
48 Months	2.78%	2.82%
60 Months	3.35%	3.40%

² Minimum daily balance of $500 is required.
Penalties apply for early withdrawal.

Jumbo IRA Share Certificates

Share Certificate Type	Rate (APR)	Annual Percentage Yield (APY)*
$25,000 Minimum ^**
6 Months	1.05%	1.06%
9 Months	1.15%	1.16%
12 Months	1.87%	1.89%
18 Months	2.07%	2.09%
24 Months	2.94%	2.98%
36 Months	2.99%	3.03%
48 Months	2.83%	2.87%
60 Months	3.40%	3.45%

³ Minimum daily balance of $25,000 is required.
Penalties apply for early withdrawal.

The Board of Directors has the right to change all rates without advance notice.

APR = Annual Percentage Rate APY* = Annual Percentage Yield