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Deposit Rates
Rates effective since January 28, 2021, 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 | 0.05% | 0.05% |
| TIER-2 | $1,000.00 | 0.05% | 0.05% |
| TIER-3 | $10,000.00 | 0.05% | 0.05% |
Minimum to open — $5.
Holiday Saver Account |
|||
|---|---|---|---|
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
| TIER-1 | $0.01 | 0.05% | 0.05% |
| TIER-2 | $1,000.00 | 0.05% | 0.05% |
| TIER-3 | $10,000.00 | 0.05% | 0.05% |
Minimum to open — $5.
My Use Account |
|||
|---|---|---|---|
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
| TIER-1 | $0.01 | 0.05% | 0.05% |
| TIER-2 | $1,000.00 | 0.05% | 0.05% |
| TIER-3 | $10,000.00 | 0.05% | 0.05% |
Minimum to open — $5.
Roth, Traditional, and Education IRA Daily Account |
|
|---|---|
Dividend Rate |
APY* |
| 0.05% | 0.05% |
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 | 0.05% | 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.
Insured Money Market Account (IMMA) |
|||
|---|---|---|---|
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
| TIER-1 | $2,500.00 | 0.10% | 0.10% |
| TIER-2 | $25,000.00 | 0.10% | 0.10% |
| TIER-3 | $50,000.00 | 0.10% | 0.10% |
| TIER-4 | $100,000.00 | 0.15% | 0.15% |
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 | 0.25% | 0.25% |
Minimum to open — $5. Maximum deposit — $1,000.
Certificate Accounts |
||
|---|---|---|
Type |
Dividend Rate |
APY* |
| 3 MONTHS | 0.10% | 0.10% |
| 6 MONTHS | 0.15% | 0.15% |
| 12 MONTHS | 0.25% | 0.25% |
| 18 MONTHS | 0.30% | 0.30% |
| 24 MONTHS | 0.35% | 0.35% |
| 36 MONTHS | 0.45% | 0.45% |
| 48 MONTHS | 0.60% | 0.60% |
| 60 MONTHS | 0.75% | 0.75% |
Minimum to open — $1,000.
Jumbo Certificate Accounts |
||
|---|---|---|
Type |
Dividend Rate |
APY* |
| 3 MONTHS | 0.15% | 0.15% |
| 6 MONTHS | 0.20% | 0.20% |
| 12 MONTHS | 0.30% | 0.30% |
| 18 MONTHS | 0.35% | 0.35% |
| 24 MONTHS | 0.40% | 0.40% |
| 36 MONTHS | 0.50% | 0.50% |
| 48 MONTHS | 0.65% | 0.65% |
| 60 MONTHS | 0.80% | 0.80% |
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 | 0.25% | 0.25% |
| 24 MONTHS | 0.35% | 0.35% |
| 36 MONTHS | 0.45% | 0.45% |
| 48 MONTHS | 0.60% | 0.60% |
| 60 MONTHS | 0.75% | 0.75% |
Minimum to open — $500.
Jumbo IRA Certificate Accounts |
||
|---|---|---|
Type |
Dividend Rate |
APY* |
| 12 MONTHS | 0.30% | 0.30% |
| 24 MONTHS | 0.40% | 0.40% |
| 36 MONTHS | 0.50% | 0.50% |
| 48 MONTHS | 0.65% | 0.65% |
| 60 MONTHS | 0.80% | 0.80% |
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.