If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.
Deposit Rates
Rates effective since January 26, 2023, and are subject to change.
Savings Accounts
(Rates are subject to change daily)
Savings Accounts
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $5.00 | 0.50% | 0.50% |
| TIER-2 | $1,000.00 | 0.55% | 0.55% |
| TIER-3 | $10,000.00 | 0.60% | 0.60% |
Minimum to open — $5.
Holiday Saver Account
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $0.01 | 0.50% | 0.50% |
| TIER-2 | $1,000.00 | 0.55% | 0.55% |
| TIER-3 | $10,000.00 | 0.60% | 0.60% |
Minimum to open — $5.
My Use Account
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $0.01 | 0.50% | 0.50% |
| TIER-2 | $1,000.00 | 0.55% | 0.55% |
| TIER-3 | $10,000.00 | 0.60% | 0.60% |
Minimum to open — $5.
Roth, Traditional, and Education IRA Daily Account
Dividend Rate |
APY* |
|---|---|
| 0.50% | 0.50% |
Minimum to open — $5.
Checking Accounts
(Rates are subject to change daily)
Dividend Checking
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $2,500.00 | 0.30% | 0.30% |
| TIER-2 | $5,000.00 | 0.30% | 0.30% |
| TIER-3 | $10,000.00 | 0.30% | 0.30% |
Minimum to open — $2,500. Balance required to avoid a fee — $2,500.
Insured Money Market Account (IMMA)
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $2,500.00 | 0.75% | 0.75% |
| TIER-2 | $25,000.00 | 0.80% | 0.80% |
| TIER-3 | $50,000.00 | 0.85% | 0.85% |
| TIER-4 | $100,000.00 | 0.90% | 0.90% |
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.)
My Save Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 12 MONTHS | 1.93% | 1.95% |
Minimum to open — $5. Maximum deposit — $1,000.
Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 3 MONTHS | 1.44% | 1.45% |
| 6 MONTHS | 1.59% | 1.60% |
| 12 MONTHS | 1.93% | 1.95% |
| 18 MONTHS | 2.08% | 2.10% |
| 24 MONTHS | 2.18% | 2.20% |
| 36 MONTHS | 2.28% | 2.30% |
| 48 MONTHS | 2.37% | 2.40% |
| 60 MONTHS | 2.47% | 2.50% |
Minimum to open — $1,000.
Jumbo Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 3 MONTHS | 1.49% | 1.50% |
| 6 MONTHS | 1.64% | 1.65% |
| 12 MONTHS | 1.98% | 2.00% |
| 18 MONTHS | 2.13% | 2.15% |
| 24 MONTHS | 2.23% | 2.25% |
| 36 MONTHS | 2.32% | 2.35% |
| 48 MONTHS | 2.42% | 2.45% |
| 60 MONTHS | 2.52% | 2.55% |
Minimum to open — $100,000.
Traditional & Roth Individual Retirement Account (IRA) Certificates and Coverdell Education Savings Account (ESA) Certificates
Type |
Dividend Rate |
APY* |
|---|---|---|
| 12 MONTHS | 1.93% | 1.95% |
| 24 MONTHS | 2.18% | 2.20% |
| 36 MONTHS | 2.28% | 2.30% |
| 48 MONTHS | 2.37% | 2.40% |
| 60 MONTHS | 2.47% | 2.50% |
Minimum to open — $500.
Jumbo IRA Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 12 MONTHS | 1.98% | 2.00% |
| 24 MONTHS | 2.23% | 2.25% |
| 36 MONTHS | 2.32% | 2.35% |
| 48 MONTHS | 2.42% | 2.45% |
| 60 MONTHS | 2.52% | 2.55% |
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.