Rates

Checking and Deposit Account Rates

Effective 29 AUGUST 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 0.150% 0.15%
Money Market ($100,000) $100,000 0.399% 0.40%

Advantage Money Market ($10,000)

(all Adv. Money Markets require 1 of the following: auto or real estate loan, or credit card, or Local Advantage PLUS checking)

 $10,000 0.648% 0.65% 
Advantage Money Market ($50,000) $50,000 0.797% 0.80%
Advantage Money Market ($100,000) $100,000 0.896% 0.90%
Business Money Market ($100) $100 0.150% 0.15%
Business Money Market ($100,000) $100,000 0.399% 0.40%
Local Advantage PLUS checking $0 0.100% 0.10%
iChecking $1,000 0.100% 0.10%
IRA Shares $100 0.100% 0.10%
Get-Away/Holiday Fund $100 0.100% 0.10%



Certificate Account Rates

Effective 29 AUGUST 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 0.797% 0.80%
12 months 1.489% 1.50%
18 months 1.982% 2.00%
24 months 2.080% 2.10%
36 months 2.080% 2.10%
$10,000 – Super Saver Certificate
Rates/yields highlighted in "vineyard harvest" red provide best bang for buck – at relatively short terms.		 6 months 1.045% 1.05%
12 months 1.638% 1.65%
18 months 2.031% 2.05%
24 months 2.129% 2.15%
36 months 2.129% 2.15%
$75,000 – Mini Jumbo
CFCU gives you the highest rates at only $75,000; the industry standard requires $100,000!		 6 months 1.095% 1.10%
12 months 1.785% 1.80%
18 months 2.129% 2.15%
24 months 2.227% 2.25%
36 months 2.227% 2.25%

 

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.