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Deposit Rates

Rates effective since January 2, 2020, 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 0.15% 0.15%
Tier 2 $1,000.00 0.20% 0.20%
Tier 3 $10,000.00 0.30% 0.30%
Minimum to open — $5.

Holiday Saver Account
Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $0.01 0.15% 0.15%
Tier 2 $1,000.00 0.20% 0.20%
Tier 3 $10,000.00 0.30% 0.30%
Minimum to open — $5.

My Use Account
Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $0.01 0.15% 0.15%
Tier 2 $1,000.00 0.20% 0.20%
Tier 3 $10,000.00 0.30% 0.30%
Minimum to open — $5.

Roth, Traditional, and Education IRA Daily Account
Dividend Rate
APY*
0.15% 0.15%
Minimum to open — $5.
*APY is Annual Percentage Yield. Rate may change after the account is opened.
*Fees could reduce earnings on the account.

Checking Accounts

(Rates are subject to change daily)

Dividend Checking
Type
Min. to Earn APY
Dividend Rate
APY*
Tier 1 $2,500.00 0.10% 0.10%
Tier 2 $5,000.00 0.10% 0.10%
Tier 3 $10,000.00 0.10% 0.10%
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 0.35% 0.35%
Tier 2 $25,000.00 0.50% 0.50%
Tier 3 $50,000.00 0.65% 0.65%
Tier 4 $100,000.00 0.80% 0.80%
Minimum to open — $2,500. Balance required to avoid a fee — $2,500.
*APY is Annual Percentage Yield. Rate may change after the account is opened.
*Fees could reduce earnings on the account.

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 1.19% 1.20%
Minimum to open — $5. Maximum deposit — $1,000.

Certificate Accounts
Type
Dividend Rate
APY*
3 Months 0.60% 0.60%
6 Months 0.85% 0.85%
12 Months 1.19% 1.20%
18 Months 1.74% 1.75%
24 Months 1.59% 1.60%
36 Months 1.83% 1.85%
48 Months 1.98% 2.00%
60 Months 2.13% 2.15%
Minimum to open — $1,000.

Jumbo Certificate Accounts
Type
Dividend Rate
APY*
3 Months 0.65% 0.65%
6 Months 0.90% 0.90%
12 Months 1.24% 1.25%
18 Months 1.74% 1.75%
24 Months 1.64% 1.65%
36 Months 1.89% 1.91%
48 Months 2.03% 2.05%
60 Months 2.18% 2.20%
Minimum to open — $100,000.

Traditional & Roth Individual Retirement Accounts (IRAs) and Coverdell Education Savings Accounts (ESAs)
Type
Dividend Rate
APY*
12 Months 1.19% 1.20%
24 Months 1.59% 1.60%
36 Months 1.83% 1.85%
48 Months 1.98% 2.00%
60 Months 2.13% 2.15%
Minimum to open — $500.

Jumbo IRA Certificate Accounts
Type
Dividend Rate
APY*
12 Months 1.24% 1.25%
24 Months 1.64% 1.65%
36 Months 1.89% 1.91%
48 Months 2.03% 2.05%
60 Months 2.18% 2.20%
Minimum to open — $100,000.
*APY is Annual Percentage Yield.
*Penalty may be imposed for early withdrawal.

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