Faced with major opposition from consumer groups as well as bank and thrift trade associations, the National Credit Union Administration is poised to ban so-called low-balance accounts under its version of the Truth-in-Savings regulation. The NCUA has decided that it's impossible to calculate an annual percentage yield for such accounts.

Truth-in-Savings requires federally insured depositories to make that calculation for all savings accounts so that consumers yardstick for comparing rates at various institutions.

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