Bob Wilson, Senior Vice President Mississippi Credit Union ...
The APY measures the total amount of dividends a credit union pays on an account based on the dividend rate and the frequency of compounding. 12 C.F.R. Part 707, App. B. The APY is expressed as an annualized rate, based on a 365-day year. For multi-year share certificate accounts that are noncompounding, the APY formula produces an APY lower ................
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