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Savings, Checking and CD Rates

Updated November 2019

Savings Accounts

Account Type Dividend Rate APY Minimum to Open
Account Type: Share Savings 0.15% 0.15% $5
Account Type: Daily/Christmas Club 0.15% 0.15%
Account Type: Kids Club Savings Account
(Dino Mite Savers)
0.15% 0.15%  No
Account Type: Automatic Savings 0.25% 0.25%

APY = Annual Percentage Yield

The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.

Certificates of Deposit

Account Type: Regular CD Interest Rate APY Minimum to Open
Account Type: Savings Builder CD

You may make additional deposits anytime up to $5,000 maximum value.
Once your balance reaches $1,000, you have the option to upgrade to a regular CD.

0.85% 0.85% $100
Youth Certificate

For ages 0-17, you may make additional deposits anytime up to $10,000 maximum value.

1.57% 1.58% $100
Account Type: 6 month 0.90% 0.90% $1,000
Account Type: 12 month 1.45% 1.46% $1,000
Account Type: 24 month 1.75% 1.76% $1,000
Account Type: 36 month 2.10% 2.12% $1,000
Account Type: 48 month 2.50% 2.52% $1,000
Account Type: 60 month 2.60% 2.63% $1,000

Maximum 1 Youth CD per SSN under age 18. Maximum 1 Savings Builder CD per SSN 18 years and older. 6 Month CD not available for IRA. A penalty may be imposed for early withdrawal.

CD Special | APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Certificate Special requires 'New Money' (funds outside CCCU, deposited within 45 days prior to certificate open date) to qualify for 2% APY offer. CD Special can't be combined with any other offer. Certificate requires $1,000 minimum deposit. 

Health Savings Accounts (HSAs)

HSAs (tiered) Interest Rate APY Minimum
Account Type: HSA (tiered) $0-2,499 0.07% 0.07% No
Account Type: HSA (tiered) $2,500-9,999 0.15% 0.15% $2,500
Account Type: HSA (tiered) $10,000-24,999 0.18% 0.18% $10,000
Account Type: HSA (tiered) $25,000 and over 0.21% 0.21% $25,000

Checking Accounts

Account Type Interest Rate APY Minimum to Open
Account Type: iSelect Checking 0.07% 0.07% No
Account Type: Advantage Checking (tiered) $2,500-9,999 0.15% 0.15% $2,500
Account Type: Advantage Checking (tiered) $10,000-24,999 0.18% 0.18% $10,000
Account Type: Advantage Checking (tiered) $25,000 and over 0.21% 0.21% $25,000
Account Type: AdvantagePlus Checking 0.25% 0.25% $10,000

iSelect interest rate earned only if interest option is selected upon opening account.

Account Type Interest Rate APY Minimum to Open
Account Type: Interest Checking* 0.07% 0.07% $500
Account Type: Premium Checking* 0.12% 0.12% $1,000
Account Type: Golden Opportunities* 0.07% 0.07% No
Account Type: Member Checking* N/A N/A No

*These accounts no longer offered.

Money Market & Individual Retirement Accounts (IRAs)

IRAs (tiered) Interest Rate
APY Minimum
Account Type: IRA (tiered) $1 - 24,999 0.30% 0.30% No
Account Type: IRA (tiered) $25,000 - 49,999 0.40% 0.40% $25,000
Account Type: IRA (tiered) $50,000 - 99,999 0.50% 0.50% $50,000
Account Type: IRA (tiered) $100,000 and over 0.60% 0.60% $100,000
Money Market Savings (tiered) Interest Rate APY Minimum
Account Type: Money Market Savings (tiered) $0 - 24,999 0.30% 0.30% $2,500
Account Type: Money Market Savings (tiered) $25,000 - 49,999 0.40% 0.40% $25,000
Account Type: Money Market Savings (tiered) $50,000 - 99,999 0.50% 0.50% $50,000
Account Type: Money Market Savings (tiered) $100,000 and over 0.60% 0.60% $100,000

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