Deposit Rates
Savings, Checking & CD Rates
Updated March 2025
Savings Accounts
|
Account Type |
Dividend Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
Share Savings |
0.10% |
0.10% |
$5 |
|
Daily Interest/Holiday Club |
0.10% |
0.10% |
no minimum |
|
Kids Club Savings Account |
0.10% |
0.10% |
no minimum |
|
Automatic Savings |
0.20% |
0.20% |
no minimum |
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 (CD)
Limited time 9 & 15 Month CD Specials - up to 4.20% APY (4.14% rate) | $5,000 Minimum. Complete details.
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
Savings Builder CD* |
1.75% |
1.76% |
$100 |
|
Youth Certificate/CD* For ages 0-17, you may make additional deposits anytime up to $10,000 maximum value. 6 month term. |
2.60% |
2.63% |
$100 |
|
6 month CD |
1.50% |
1.51% |
$1,000 |
|
12 month CD |
1.95% |
1.96% |
$1,000 |
|
24 month CD |
2.15% |
2.17% |
$1,000 |
|
36 month CD |
2.40% |
2.42% |
$1,000 |
|
48 month CD |
2.50% |
2.52% |
$1,000 |
|
60 month CD |
2.75% |
2.78% |
$1,000 |
|
CD Specials** Limited time, 9 month term |
up to 4.14% |
up to 4.20% |
$5,000 |
|
Limited time, 15 month term |
up to 3.56% |
up to 3.61% |
$5,000 |
*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.
**APY = Annual Percentage Yield. Rates effective as of 3/25/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.20% APY and 15-month CD for 3.61% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 4.00% APY, 15-month CD for 3.30% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
IRA Certificates of Deposit
Limited time 9 & 15 Month IRA CD Specials - up to 4.20% APY (4.14% rate) | $5,000 Minimum. Complete details.
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
12 month CD |
1.95% |
1.96% |
$1,000 |
|
24 month CD |
2.15% |
2.17% |
$1,000 |
|
36 month CD |
2.40% |
2.42% |
$1,000 |
|
48 month CD |
2.50% |
2.52% |
$1,000 |
|
60 month CD |
2.75% |
2.78% |
$1,000 |
|
CD Specials* Limited time, 9 month term |
up to 4.14% |
up to 4.20% |
$5,000 |
|
Limited time, 15 month term |
up to 3.56% |
up to 3.61% |
$5,000 |
*APY = Annual Percentage Yield. Rates effective as of 3/25/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.20% APY and 15-month CD for 3.61% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 4.00% APY, 15-month CD for 3.40% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.
Health Savings Accounts (HSAs)
|
HSAs (tiered) |
Interest Rate |
APY |
Minimum |
|---|---|---|---|
|
$0-$2,499 |
0.05% |
0.05% |
no minimum |
|
$2,500-$9,999 |
0.10% |
0.10% |
$2,500 |
|
$10,000-$24,999 |
0.14% |
0.14% |
$10,000 |
|
$25,000 and over |
0.18% |
0.18% |
$25,000 |
Checking Accounts
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
iSelect Checking |
0.03% |
0.03% |
no minimum |
|
Advantage Checking (tiered) |
- |
- |
- |
|
$2,500-$9,999 |
0.06% |
0.06% |
$2,500 |
|
$10,000-$24,999 |
0.10% |
0.10% |
$10,000 |
|
$25,000 and over |
0.14% |
0.14% |
$25,000 |
|
AdvantagePlus Checking |
0.18% |
0.18% |
$10,000 |
iSelect interest rate earned only if interest option is selected upon opening account.
Individual Retirement Account (IRA) Savings
|
IRA Savings (tiered) |
Interest Rate |
APY |
Minimum |
|---|---|---|---|
|
$1-$24,999 |
0.35% |
0.35% |
no minimum |
|
$25,000-$49,999 |
0.40% |
0.40% |
$25,000 |
|
$50,000-$99,999 |
0.50% |
0.50% |
$50,000 |
|
$100,000 and over |
0.60% |
0.60% |
$100,000 |
Money Market Savings
|
Money Market Savings (tiered) |
Interest Rate |
APY |
Minimum |
|---|---|---|---|
|
$0-$2,499 |
0.10% |
0.10% |
$0 |
|
$2,500-$24,999 |
0.35% |
0.35% |
$2,500 |
|
$25,000-$49,999 |
0.40% |
0.40% |
$25,000 |
|
$50,000-$99,999 |
0.50% |
0.50% |
$50,000 |
|
$100,000 and over |
0.60% |
0.60% |
$100,000 |