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Deposit Rates

Rates effective since August 21, 2024, 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 footnote 1
TIER-1 $1.00 0.60% 0.60%
TIER-2 $1,000.00 0.65% 0.65%
TIER-3 $10,000.00 0.70% 0.70%
Minimum to open — $1.

Holiday Saver Account

Savings Accounts
Type
Min. to Earn APY
Dividend Rate
APY footnote 1
TIER-1 $0.01 0.60% 0.60%
TIER-2 $1,000.00 0.65% 0.65%
TIER-3 $10,000.00 0.70% 0.70%
Minimum to open — $5.

My Use Account

Savings Accounts
Type
Min. to Earn APY
Dividend Rate
APY footnote 1
TIER-1 $0.01 0.60% 0.60%
TIER-2 $1,000.00 0.65% 0.65%
TIER-3 $10,000.00 0.70% 0.70%
Minimum to open — $5.

Roth, Traditional, and Education IRA Daily Account

Savings Accounts
Dividend Rate
APY footnote 1
0.60% 0.60%
Minimum to open — $5.

Checking Accounts

(Rates are subject to change daily)

Dividend Checking

Checking Accounts – Dividend Checking
Type
Min. to Earn APY
Dividend Rate
APY footnote 1
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)

Checking Accounts – Insured Money Market Account (IMMA)
Type
Min. to Earn APY
Dividend Rate
APY footnote 1
TIER-1 $2,500.00 1.93% 1.95%
TIER-2 $25,000.00 2.03% 2.05%
TIER-3 $50,000.00 2.13% 2.15%
TIER-4 $100,000.00 2.23% 2.25%
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. Early withdrawal penalties may apply.)

Certificate Accounts – My Save Certificate Accounts

My Save Certificate Accounts
Type
Dividend Rate
APY footnote 1
12 MONTHS 3.93% 4.00%
Minimum to open — $5. Maximum deposit — $1,000.
Certificate Accounts – Certificate Accounts

Certificate Accounts
Type
Dividend Rate
APY footnote 1
3 MONTHS 3.45% 3.51%
6 MONTHS 3.93% 4.00%
12 MONTHS 3.93% 4.00%
18 MONTHS 3.93% 4.00%
24 MONTHS 3.54% 3.60%
36 MONTHS 3.45% 3.51%
48 MONTHS 3.45% 3.51%
60 MONTHS 3.45% 3.51%
Minimum to open — $1,000.
Certificate Accounts – Jumbo Certificate Accounts

Jumbo Certificate Accounts
Type
Dividend Rate
APY footnote 1
3 MONTHS 3.50% 3.56%
6 MONTHS 3.98% 4.05%
12 MONTHS 3.98% 4.05%
18 MONTHS 3.98% 4.05%
24 MONTHS 3.59% 3.65%
36 MONTHS 3.50% 3.56%
48 MONTHS 3.50% 3.56%
60 MONTHS 3.50% 3.56%
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 footnote 1
12 MONTHS 3.93% 4.00%
24 MONTHS 3.54% 3.60%
36 MONTHS 3.45% 3.51%
48 MONTHS 3.45% 3.51%
60 MONTHS 3.45% 3.51%
Minimum to open — $500.
Certificate Accounts – Jumbo IRA Certificate Accounts

Jumbo IRA Certificate Accounts
Type
Dividend Rate
APY footnote 1
12 MONTHS 3.98% 4.05%
24 MONTHS 3.59% 3.65%
36 MONTHS 3.50% 3.56%
48 MONTHS 3.50% 3.56%
60 MONTHS 3.50% 3.56%
Minimum to open — $100,000.

1. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

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.

Rates