Open a Draft (checking) Account with Direct Deposit between 04/01/08-05/31/08 and you'll be entered to WIN a 22" LCD HDTV!+ Our Draft Accounts have features that will BENEFIT YOU throughout the year! Open your Draft (checking) Account today; call (716) 847-6960 for more information. +To be eligible for the Vizio 22" LCD HDTV drawing, the member must (i) open a new Draft (checking) Account between 04/01/08 - 05/31/08; (ii) agree to recurring Direct Deposit of net paycheck or a recurring payroll deduction of at least $250.00 per pay period; and (iii) initial Direct Deposit must be made within 30 days from the date the Draft Account was opened. The winner of the 22" LCD HDTV will be announced 07/01/08. Promotion subject to change without notice.
VISA Debit Card A Debit Card Fee of $2.00 per month will be assessed to your share account on the last business day of the month. Online Gambling
Lost or Stolen ATM, Debit, or Visa Credit Cards
Visa Gift Card
SHARE ACCOUNTS (SAVINGS)
SHARE CERTIFICATES
Share Draft Accounts
Enter to 22" LCD HDTV!
With a Visa Debit Card you can access your share draft account where Visa is accepted. Each time you use your Visa Debit Card, it is regarded as an electronic check and deducted from your share draft account. Apply for a Visa Debit Card and start enjoying the benefits.
Please be advised that you may not use any Buffalo Metropolitan Federal Credit Union card to initiate any type of electronic gambling transaction through the Internet.
For lost or stolen ATM/Debit Cards, please call 1-800-528-2273. For lost or stolen Visa Credit Cards, please call 1-800-325-3678. You must also notify the Buffalo Metropolitan Federal Credit Union at (716) 847-6960 immediately!
Our Gift Cards are similar to gift certificates, but with more flexibility. Gift giving has never been easier, and they'll love the freedom of shopping wherever Visa is accepted. Get your Visa Gift Card today!
With the Visa Gift Card there is a minimum of $10.00 and a maximum of $500.00. There is a $2.00 activation fee per gift card. If there is still a balance on the Gift Card one year from the date of purchase, Visa will charge a $3.00 fee each month until the card is at a zero balance. The Buffalo Metropolitan Federal Credit Union is not responsible for lost or stolen Visa Gift Cards.
Minimum balance $25
Earn .50% (APY .50%) dividends
Dividends are paid quarterly on accounts with an average daily balance of $1,000.00 or more.
Share Dividends Declared August 27, 2008
Minimum deposit of $500.00
Annual Percentage Yield effective August 28, 2008
Three Month
2.00%
APY 2.01%
Six Month
2.25%
APY 2.26%
Twelve Month (One Year)
2.50%
APY 2.50%
Eighteen Month
2.90%
APY 2.90%
Twenty-Four Month (Two Year)
3.00%
APY 3.00%
Thirty-Six Month (Three Year)
3.25%
APY 3.25%
Forty-Eight Month (Four Year)
3.50%
APY 3.50%
Sixty Month (Five Year)
4.00%
APY 4.00%
*APY=Annual Percentage Yield
"APY" or "Annual Percentage Yield" means a percentage rate reflecting the total amount of dividends expected to be earned in a year on an account, based on the dividend rate and the frequency of compounding accrued dividends.
Fees can reduce the earnings on the account (a fee schedule is available at the Credit Union, upon your request).
If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.
Money Market Accounts (MMAs)
With our MMAs, you earn more than with a Share (savings) Account and the number of transactions per month are unlimited. The MMAs require a minimum opening deposit of $2,500.00. There is no set term.
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$2,500-$9,999.99 | .75% | APY .75% |
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$10,000-$24,999.99 | 1.00% | APY 1.01% |
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$25,000-$999,999.99 | 1.50% | APY 1.51% |
Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more. Rates as of August 28, 2008.
You can access your account with PC Home Banking (online access) or with Audio Response (telephone access).