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Deposit Rates
Rates effective since April 4, 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 | 0.40% | 0.40% |
| TIER-2 | $1,000.00 | 0.45% | 0.45% |
| TIER-3 | $10,000.00 | 0.50% | 0.50% |
Minimum to open — $5.
Holiday Saver Account
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $0.01 | 0.40% | 0.40% |
| TIER-2 | $1,000.00 | 0.45% | 0.45% |
| TIER-3 | $10,000.00 | 0.50% | 0.50% |
Minimum to open — $5.
My Use Account
Type |
Min. to Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
| TIER-1 | $0.01 | 0.40% | 0.40% |
| TIER-2 | $1,000.00 | 0.45% | 0.45% |
| TIER-3 | $10,000.00 | 0.50% | 0.50% |
Minimum to open — $5.
Roth, Traditional, and Education IRA Daily Account
Dividend Rate |
APY* |
|---|---|
| 0.40% | 0.40% |
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 | 0.25% | 0.25% |
| TIER-2 | $5,000.00 | 0.25% | 0.25% |
| TIER-3 | $10,000.00 | 0.25% | 0.25% |
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 | 0.99% | 1.00% |
| TIER-2 | $25,000.00 | 1.14% | 1.15% |
| TIER-3 | $50,000.00 | 1.34% | 1.35% |
| TIER-4 | $100,000.00 | 1.49% | 1.50% |
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 | 3.06% | 3.10% |
Minimum to open — $5. Maximum deposit — $1,000.
Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 3 MONTHS | 1.98% | 2.00% |
| 6 MONTHS | 2.18% | 2.20% |
| 12 MONTHS | 3.06% | 3.10% |
| 18 MONTHS | 3.20% | 3.25% |
| 24 MONTHS | 3.35% | 3.40% |
| 36 MONTHS | 3.35% | 3.40% |
| 48 MONTHS | 3.35% | 3.40% |
| 60 MONTHS | 3.44% | 3.50% |
Minimum to open — $1,000.
Jumbo Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 3 MONTHS | 2.03% | 2.05% |
| 6 MONTHS | 2.23% | 2.25% |
| 12 MONTHS | 3.11% | 3.15% |
| 18 MONTHS | 3.25% | 3.30% |
| 24 MONTHS | 3.40% | 3.45% |
| 36 MONTHS | 3.40% | 3.45% |
| 48 MONTHS | 3.40% | 3.45% |
| 60 MONTHS | 3.49% | 3.55% |
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 | 3.06% | 3.10% |
| 24 MONTHS | 3.35% | 3.40% |
| 36 MONTHS | 3.35% | 3.40% |
| 48 MONTHS | 3.35% | 3.40% |
| 60 MONTHS | 3.44% | 3.50% |
Minimum to open — $500.
Jumbo IRA Certificate Accounts
Type |
Dividend Rate |
APY* |
|---|---|---|
| 12 MONTHS | 3.11% | 3.15% |
| 24 MONTHS | 3.40% | 3.45% |
| 36 MONTHS | 3.40% | 3.45% |
| 48 MONTHS | 3.40% | 3.45% |
| 60 MONTHS | 3.49% | 3.55% |
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.