Deposit Rates
Checking Accounts
| Product | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| NOW Checking Account | 0.02% | 0.02% | $400.00 | $15.00 |
| 0.02% | 0.02% | $1,000.00 | ||
| 0.02% | 0.02% | $2,500.00 | ||
| Effective 07/01/2024 * Rates subject to change without notice. ** Annual Percentage Yield. Fees may reduce earnings. |
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| Kasasa Cash Checking | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| Balances up to $20,000 | 1.98% | 2.00% | $25.00 | $0.00 |
| On amounts exceeding $20,000 | 0.50% | 0.50% | $20,000.00 | |
| Must meet requirements (see additional info) Effective 07/01/2024 * Rates subject to change without notice. ** Annual Percentage Yield. Fees may reduce earnings. |
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Savings Accounts
| Product | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| Statement Savings/Club A/C's | 0.05% | 0.05% | $25.00 | $25.00 |
| 0.05% | 0.05% | $25,000.00 | ||
| Passbook Savings (Grandfathered) | 0.02% | 0.02% | $25.00 | $25.00 |
| 0.02% | 0.02% | $25,000.00 | ||
| Effective 07/01/2024 * Rates subject to change without notice. ** Annual Percentage Yield. Fees may reduce earnings. |
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Money Market Accounts
| Product | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| High Yield 5% Community Money Market Account**** | 4.16% | 4.25% | $10,000.00 | $.01 |
| Money Market Deposit Account (MMDA)*** | 0.02% | 0.02% | $1,000.00 | $25.00 |
| 0.02% | 0.02% | $2,500.00 | ||
| 0.02% | 0.02% | $10,000.00 | ||
| 0.02% | 0.02% | $25,000.00 | ||
| Community First Money Market (CFMM)*** | 0.02% | 0.02% | $10,000.00 | $25.00 |
| 0.02% | 0.02% | $10,000.00 | ||
| 0.02% | 0.02% | $25,000.00 | ||
| 0.10% | 0.10% | $100,000.00 | ||
| Effective: 10/09/2024 * Rates subject to change without notice. ** Annual Percentage Yield. Transaction limitations apply, per Regulation D - no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted. Dividends are compounded and paid monthly. *** 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 **** Community High Yield Money Market for consumer and business accounts. Earn 5% Annual Percentage Yield for new money only. Rates are subject to change without notice. Minimum balance of $10,000 to open. Transaction limitations apply, per Regulation D—no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted. Annual Percentage Yield. Please see account disclosures. Fees may reduce earnings. Rates are subject to change without notice. Dividends are compounded and paid monthly. Refer to CCU's Fee Schedule and Account Product Disclosures for additional account requirements to earn interest. |
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Certificates
| Term | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| 3 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 4 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 6 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 7 Months | 3.92% | 4.00% | $1,000.00 | $1,000.00 |
| 9 Months | 3.92% | 4.00% | $1,000.00 | $1,000.00 |
| 10 Months | 3.68% | 3.75% | $1,000.00 | $1,000.00 |
| 11 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 12 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 13 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 14 Months (SPECIAL) | 3.68.% | 3.75% | $1,000.00 | $1,000.00 |
| 15 Months | 2.96% | 3.00% | $1,000.00 | $1,000.00 |
| 18 Months | 2.47% | 2.50% | $1,000.00 | $1,000.00 |
| 20 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
| 24 Months | 1.49% | 1.50% | $1,000.00 | $1,000.00 |
| 36 Months | 1.49% | 1.50% | $1,000.00 | $1,000.00 |
| 40 Months | 0.50% | 0.50% | $1,000.00 | $1,000.00 |
| 48 Months | 0.50% | 0.50% | $1,000.00 | $1,000.00 |
| Effective: 09/19/2024 * 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 |
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Retirement Accounts
| Term | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| 3 Months | 4.16% | 4.25% | $500.00 | $500.00 |
| 6 Months | 4.16% | 4.25% | $500.00 | $500.00 |
| 12 Months | 3.44% | 3.50% | $500.00 | $500.00 |
| 14 Months (SPECIAL) | 3.68% | 3.75% | $500.00 | $500.00 |
| 18 Months | 2.47% | 2.50% | $500.00 | $500.00 |
| 20 Months | 1.98% | 2.00% | $500.00 | $500.00 |
| 24 Months | 1.49% | 1.50% | $500.00 | $500.00 |
| 36 Months | 1.49% | 1.50% | $500.00 | $500.00 |
| 40 Months | 0.50% | 0.50% | $500.00 | $500.00 |
| 48 Months | 0.50% | 0.50% | $500.00 | $500.00 |
| Effective: 09/19/2024 * 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 |
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