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Deposit Rates

Checking Accounts

ProductRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Effective 9/23/2019
* Rates subject to change without notice.
** Annual Percentage Yield. Fees may reduce earnings.
NOW Checking Account0.02%0.02%$400.00$15.00
0.04%0.04%$1,000.00
0.07%0.07%$2,500.00

Kasasa Cash CheckingRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Must meet requirements (see additional info)
Balances up to $20,0001.98%2.00%$25.00$0.00
On amounts exceeding $20,0000.50%0.50%$20,000.00

Savings Accounts

ProductRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Statement Savings/Club A/C's0.05%0.05%$25.00$25.00
0.10%0.10%$25,000.00
Passbook Savings
(Grandfathered)
0.02%0.02%$25.00$25.00
0.02%0.02%$25,000.00

 

Money Market Accounts

ProductRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Money Market Deposit Account
(MMDA)***
0.03%0.03%$1,000.00$25.00
0.10%0.10%$2,500.00
0.15%0.15%$10,000.00
0.20%0.20%$25,000.00
Community First Money Market
(CFMM)***
0.07%0.07%$10,000.00$25.00
0.15%0.15%$10,000.00
0.20%0.20%$25,000.00
1.50%1.51%$100,000.00

 

Certificates

TermRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Effective: 9/23/2019
* NEW MONEY for all CD Specials
1 Rates subject to change without notice.
2 Annual Percentage Yield.
1, 3 Transaction limitations apply, per Regulation D - no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted.
4 Terms less than 12 months earn simple interest. Dividends are compounded and paid monthly. Federal regulations require a penalty for early withdrawal on all term deposits.
5 Personal Community First MMDA available only with a checking account > $1,000 balance/direct deposit at the time of opening. Fees may reduce earnings.
**Refer to CCU's Fee Schedule and Account Product Disclosures for additional account requirements to earn interest. MEMBER NCUA, MSIC
3 Months0.20%0.20%$1,000.00$1,000.00
4 Months0.15%0.15%$1,000.00$1,000.00
6 Months0.30%0.30%$1,000.00$1,000.00
7 Months0.35%0.35%$1,000.00$1,000.00
9 Months0.70%0.70%$1,000.00$1,000.00
10 Months0.50%0.50%$1,000.00$1,000.00
11 Months0.60%0.60%$1,000.00$1,000.00
12 Months1.00%1.00%$1,000.00$1,000.00
13 Months0.80%0.80%$1,000.00$1,000.00
13 Months (Special)1.98%2.00%$1,000.00$1,000.00
14 Months0.85%0.85%$1,000.00$1,000.00
15 Months0.85%0.85%$1,000.00$1,000.00
15 Months (Somerville Special)1.25%1.26%$1,000.00$1,000.00
18 Months1.00%1.00%$1,000.00$1,000.00
20 Months1.14%1.15%$1,000.00$1,000.00
20 Months (Special)2.23%2.25%$1,000.00$1,000.00
24 Months1.49%1.50%$1,000.00$1,000.00
36 Months1.44%1.45%$1,000.00$1,000.00
40 Months1.44%1.45%$1,000.00$1,000.00
40 Months (Special)2.47%2.50%$1,000.00$1,000.00
48 Months1.75%1.76%$1,000.00$1,000.00

 

Retirement Accounts

TermRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Effective: 9/23/2019
* NEW MONEY for all CD Specials
1 Rates subject to change without notice.
2 Annual Percentage Yield.
1, 3 Transaction limitations apply, per Regulation D - no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted.
4 Terms less than 12 months earn simple interest. Dividends are compounded and paid monthly. Federal regulations require a penalty for early withdrawal on all term deposits.
5 Personal Community First MMDA available only with a checking account > $1,000 balance/direct deposit at the time of opening. Fees may reduce earnings.
**Refer to CCU's Fee Schedule and Account Product Disclosures for additional account requirements to earn interest. MEMBER NCUA, MSIC
3 Months0.20%0.20%$500.00$500.00
6 Months0.30%0.30%$500.00$500.00
12 Months1.00%1.00%$500.00$500.00
14 Months0.85%0.85%$500.00$500.00
18 Months1.00%1.00%$500.00$500.00
20 Months1.14%1.15%$500.00$500.00
24 Months1.49%1.50%$500.00$500.00
36 Months1.44%1.45%$500.00$500.00
40 Months1.44%1.45%$500.00$500.00
48 Months1.75%1.76%$500.00$500.00
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