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Deposit Rates

Rates effective since August 12, 2020, and are subject to change.

Savings Accounts

(Rates are subject to change daily)

Savings Accounts

Savings Accounts

Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $5.00 0.10% 0.10%
Tier 2 $1,000.00 0.10% 0.10%
Tier 3 $10,000.00 0.10% 0.10%
Minimum to open — $5.
Savings Accounts

Holiday Saver Account

Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $0.01 0.10% 0.10%
Tier 2 $1,000.00 0.10% 0.10%
Tier 3 $10,000.00 0.10% 0.10%
Minimum to open — $5.
Savings Accounts

My Use Account

Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $0.01 0.10% 0.10%
Tier 2 $1,000.00 0.10% 0.10%
Tier 3 $10,000.00 0.10% 0.10%
Minimum to open — $5.
Savings Accounts

Roth, Traditional, and Education IRA Daily Account

Dividend Rate
APY*
0.10% 0.10%
Minimum to open — $5.

Checking Accounts

(Rates are subject to change daily)

Checking Accounts – Dividend Checking

Dividend Checking

Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $2,500.00 0.05% 0.05%
Tier 2 $5,000.00 0.05% 0.05%
Tier 3 $10,000.00 0.05% 0.05%
Minimum to open — $2,500. Balance required to avoid a fee — $2,500.
Checking Accounts – Insured Money Market Account (IMMA)

Insured Money Market Account (IMMA)

Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $2,500.00 0.15% 0.15%
Tier 2 $25,000.00 0.20% 0.20%
Tier 3 $50,000.00 0.25% 0.25%
Tier 4 $100,000.00 0.30% 0.30%
Minimum to open — $2,500. Balance required to avoid a fee — $2,500.

Certificate Accounts

(Rates are subject to change daily, dividends are compounded and credited monthly, and the dividend period is monthly.)

Certificate Accounts – My Save Certificate Accounts

My Save Certificate Accounts

Type
Dividend Rate
APY*
12 Months 0.35% 0.35%
Minimum to open — $5. Maximum deposit — $1,000.
Certificate Accounts – Certificate Accounts

Certificate Accounts

Type
Dividend Rate
APY*
3 Months 0.20% 0.20%
6 Months 0.25% 0.25%
12 Months 0.35% 0.35%
18 Months 0.50% 0.50%
24 Months 0.65% 0.65%
36 Months 0.80% 0.80%
48 Months 0.95% 0.95%
60 Months 1.09% 1.10%
Minimum to open — $1,000.
Certificate Accounts – Jumbo Certificate Accounts

Jumbo Certificate Accounts

Type
Dividend Rate
APY*
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
12 Months 0.40% 0.40%
18 Months 0.55% 0.55%
24 Months 0.70% 0.70%
36 Months 0.85% 0.85%
48 Months 1.00% 1.00%
60 Months 1.14% 1.15%
Minimum to open — $100,000.
Certificate Accounts – Traditional & Roth Individual Retirement Account (IRA) Certificates and Coverdell Education Savings Account (ESA) Certificates

Traditional & Roth Individual Retirement Account (IRA) Certificates and Coverdell Education Savings Account (ESA) Certificates

Type
Dividend Rate
APY*
12 Months 0.35% 0.35%
24 Months 0.65% 0.65%
36 Months 0.80% 0.80%
48 Months 0.95% 0.95%
60 Months 1.09% 1.10%
Minimum to open — $500.
Certificate Accounts – Jumbo IRA Certificate Accounts

Jumbo IRA Certificate Accounts

Type
Dividend Rate
APY*
12 Months 0.40% 0.40%
24 Months 0.70% 0.70%
36 Months 0.85% 0.85%
48 Months 1.00% 1.00%
60 Months 1.14% 1.15%
Minimum to open — $100,000.

For a complete rate schedule and fee schedule, contact CEFCU.

CEFCU savings are federally insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. CEFCU Traditional and Roth IRAs are federally insured up to $250,000 by the NCUA. ESAs are federally insured to $250,000 by the NCUA.