Tools Resources

Savings, Money Markets, Checking, IRAs Rates

Effective January 1, 2015

Account Type Min. Balance Rate1 APY2
Prime Share Savings $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
Youth Saver (to age 18)
(rate is for first $500; defaults to regular savings rate thereafter)
$50 6.851% 7.07%
Money Markets $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
$100,000 0.150% 0.15%
Advantage Money Market
(highest earnings)
$10,000 0.100% 0.10%
$50,000 0.150% 0.15%
$100,000 0.200% 0.20%
Business Money Market $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
$100,000 0.150% 0.15%
Local Advantage PLUS checking $0 0.050% 0.05%
iChecking $1,000 0.050% 0.05
IRA Shares $100 0.499% 0.50%
Holiday/Vacation clubs $100 0.100% 0.10%




Certificate Account Rates

Effective JANUARY 1, 2015

NOTE:  Unlike most banks and credit unions, these rates below DO NOT REQUIRE AN ACTIVE (OR ANY) CHECKING ACCOUNT. We do not penalize (or try to trick) you for not having an active checking account at Community First.

Minimum Deposit Term Rate3 APY4
$1,000 – Saver Certificate
No games, no teaser rates for “new” money.
We reward existing Members
3 months 0.030% 0.03%
6 months 0.050% 0.05%
9 months 0.100% 0.10%
12 months 0.150% 0.15%
18 months 0.200% 0.20%
24 months 0.300% 0.30%
36 months 0.449% 0.45%
$10,000 – Saver Certificate
Rates/yields highlighted in “vineyard harvest” red provide best bang for buck – at relatively short terms
3 months 0.050% 0.05%
6 months 0.100% 0.10%
9 months 0.150% 0.15%
12 months 0.200% 0.20%
18 months 0.250% 0.25%
24 months 0.350% 0.35%
36 months 0.499% 0.50%
$75,000 – Mini Jumbo
CFCU gives you the highest rates at only $75,000; the industry standard requires $100,000!
3 months 0.100% 0.10%
6 months 0.150% 0.15%
9 months 0.200% 0.20%
12 months 0.250% 0.25%
18 months 0.300% 0.30%
24 months 0.399% 0.40%
36 months 0.549% 0.55%

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.

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