Effective 1 FEBRUARY 2019 (note: best bang for buck in bold/red)
| Account Type | Min. Balance | Rate1 | APY2 |
|---|---|---|---|
| Prime Share Savings | $100, or @ $1,000 | 0.100%, or @ 0.250% | 0.10%, or @ 0.25% |
| Youth Saver (to age 18) (rate is for first $500; defaults to regular savings rate thereafter) |
$25 | 1.01% 6.851% |
1.01% (stand-alone) 7.07% (w/adult Local Advantage PLUS acc't) |
| Money Market ($100) | $100 | 0.100% | 0.10% |
| Money Market ($100,000) | $100,000 | 0.299% | 0.30% |
|
|
$10,000 | 0.648% | 0.65% |
| $50,000 | 0.747% | 0.75% | |
| $100,000 | 0.847% | 0.85% | |
| Business Money Market ($100) | $100 | 0.100% | 0.10% |
| Business Money Market ($100,000) | $100,000 | 0.299% | 0.30% |
| Local Advantage PLUS checking | $0 | 0.050% | 0.05% |
| iChecking | $1,000 | 0.050% | 0.05% |
| IRA Shares | $100 | 0.100% | 0.10% |
| Get-Away/Holiday Fund | $100 | 0.100% | 0.10% |
Effective 1 FEBRUARY 2019 (note: best bang for buck in bold/red)
| Minimum Deposit | Term | Rate3 | APY4 |
|---|---|---|---|
| $1,000 – Saver Certificate No games, no teaser rates for "new" money. We reward existing Members. |
6 months | 0.648% | 0.65% |
| 12 months | 1.292% | 1.30% | |
| 18 months | 2.080% | 2.10% | |
| 24 months | 2.178% | 2.20% | |
| 36 months | 2.276% | 2.30% | |
| $10,000 – Super Saver Certificate Rates/yields highlighted in "vineyard harvest" red provide best bang for buck – at relatively short terms. |
6 months | 0.896% | 0.90% |
| 12 months | 1.489% | 1.50% | |
| 18 months | 2.178% | 2.20% | |
| 24 months | 2.276% | 2.30% | |
| 36 months | 2.374% | 2.40% | |
| $75,000 – Mini Jumbo CFCU gives you the highest rates at only $75,000; the industry standard requires $100,000! |
6 months | 0.946% | 0.95% |
| 12 months | 1.588% | 1.60% | |
| 18 months | 2.276% | 2.30% | |
| 24 months | 2.374% | 2.40% | |
| 36 months | 2.472% | 2.50% |
Notes
1) Anticipated dividend; variable rate & subject to change. 2) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings. 3) Rates subject to change without notice. However, certificate rates remain fixed for term. 4) Unless otherwise stated, dividends will be credited to your account and compounded every month.