Deposit Rates That Grow Your Future

Build momentum with checking, savings, and CDs that offer clear rates and real returns to keep your money moving forward.

Deposit Rates That Grow Your Future
Checking

Checking

Checking Account Rates

Turn Daily Swipes Into Steady Growth

Enjoy straightforward earnings on accounts built to help you spend, save, and stay in control of your money.

Rates effective September 2025

 Personal Checking

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

APY = Annual Percentage Yield. iSelect interest rate earned only if interest option is selected upon opening account. 

Select two free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual. 

Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.

Savings

Savings

Savings Account Rates

Save Today, See More Tomorrow

Build your savings with rates that grow your balance and give you more freedom to reach tomorrow’s goals.

Rates effective September 2025

Personal Savings

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
Youth 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.

CDs

CDs

Certificates of Deposit (CD) Rates

Lock in Steady Growth

Choose a CD term and secure a fixed rate, so your savings grows predictably over time and your plan stays on track.

Rates effective September 2025

Personal CD Rates

Account Type
Interest Rate
APY
Minimum to Open
Savings Builder CD
1.75%
1.76%
$100
Youth Certificate/CD
2.70%
2.73%
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 Special - 9 month term
up to 3.95%
up to 4.01%
$5,000
CD Special - 15 month term
up to 3.56%
up to 3.61%
$5,000

APY = Annual Percentage Yield. Rates effective as of 9/4/2025 and subject to change without notice. A penalty may be imposed for early withdrawal.

Savings Builder CD - You may make additional deposits any time up to $5,000 maximum value. 12 month term. Once your balance reaches $1,000, you have the option to upgrade to a regular CD. Maximum 1 Savings Builder CD per SSN 18 years and older.

Youth Certificate - For ages 0-17, you may make additional deposits any time up to $10,000 maximum value. 6 month term. Maximum 1 Youth CD per SSN under age 18.

6 Month CD not available for IRA. 

CD Specials - Minimum purchase amount is $5,000. 9-month CD for 4.01% 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 3.80% 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.

IRA CDs

IRA CDs

IRA Certificates of Deposit (CD) Rates

Put Stability Into Your Savings Plan

Strengthen your retirement with IRA CDs that guarantee growth over time and keep your long-term plan secure.

Rates effective September 2025

Personal IRA CD Rates

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 Special - 9 month term
up to 3.95%
up to 4.01%
$5,000
CD Special - 15 month term
up to 3.56%
up to 3.61%
$5,000

APY = Annual Percentage Yield. Rates effective as of 9/4/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.01% 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 3.80% 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. 

HSA

HSA

Health Savings Account (HSA) Deposit Rates

Turn Health Spending Into Savings

Save for health care with tax-deductible contributions and tax-free growth, then pay for qualified expenses easily using your HSA debit card.

Rates effective September 2025

Personal HSA Rates

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
APY = Annual Percentage Yield.
Money Market

Money Market

Money Market Rates

Boost Your Savings Power

Earn higher returns on larger balances and keep your cash accessible for emergencies or future opportunities.

Rates effective September 2025

Money Market Savings

Tiered
Interest Rate
APY
Minimum
$0-$2,499*
0.10%
0.10%
$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

*A fee is charged if you drop below the $2,500 minimum balance.

Checking Account Rates

Turn Daily Swipes Into Steady Growth

Enjoy straightforward earnings on accounts built to help you spend, save, and stay in control of your money.

Rates effective September 2025

 Personal Checking

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

APY = Annual Percentage Yield. iSelect interest rate earned only if interest option is selected upon opening account. 

Select two free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual. 

Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.

Savings Account Rates

Save Today, See More Tomorrow

Build your savings with rates that grow your balance and give you more freedom to reach tomorrow’s goals.

Rates effective September 2025

Personal Savings

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
Youth 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) Rates

Lock in Steady Growth

Choose a CD term and secure a fixed rate, so your savings grows predictably over time and your plan stays on track.

Rates effective September 2025

Personal CD Rates

Account Type
Interest Rate
APY
Minimum to Open
Savings Builder CD
1.75%
1.76%
$100
Youth Certificate/CD
2.70%
2.73%
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 Special - 9 month term
up to 3.95%
up to 4.01%
$5,000
CD Special - 15 month term
up to 3.56%
up to 3.61%
$5,000

APY = Annual Percentage Yield. Rates effective as of 9/4/2025 and subject to change without notice. A penalty may be imposed for early withdrawal.

Savings Builder CD - You may make additional deposits any time up to $5,000 maximum value. 12 month term. Once your balance reaches $1,000, you have the option to upgrade to a regular CD. Maximum 1 Savings Builder CD per SSN 18 years and older.

Youth Certificate - For ages 0-17, you may make additional deposits any time up to $10,000 maximum value. 6 month term. Maximum 1 Youth CD per SSN under age 18.

6 Month CD not available for IRA. 

CD Specials - Minimum purchase amount is $5,000. 9-month CD for 4.01% 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 3.80% 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.

IRA Certificates of Deposit (CD) Rates

Put Stability Into Your Savings Plan

Strengthen your retirement with IRA CDs that guarantee growth over time and keep your long-term plan secure.

Rates effective September 2025

Personal IRA CD Rates

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 Special - 9 month term
up to 3.95%
up to 4.01%
$5,000
CD Special - 15 month term
up to 3.56%
up to 3.61%
$5,000

APY = Annual Percentage Yield. Rates effective as of 9/4/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.01% 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 3.80% 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 Account (HSA) Deposit Rates

Turn Health Spending Into Savings

Save for health care with tax-deductible contributions and tax-free growth, then pay for qualified expenses easily using your HSA debit card.

Rates effective September 2025

Personal HSA Rates

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
APY = Annual Percentage Yield.

Money Market Rates

Boost Your Savings Power

Earn higher returns on larger balances and keep your cash accessible for emergencies or future opportunities.

Rates effective September 2025

Money Market Savings

Tiered
Interest Rate
APY
Minimum
$0-$2,499*
0.10%
0.10%
$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

*A fee is charged if you drop below the $2,500 minimum balance.

Strengthen Your Business With Better Rates

Compare business deposit options or connect with our team to find the right fit for your cash flow and growth goals.

Young Girl in CCCU Lobby

Start Saving With Better Rates

Turn today’s deposits into tomorrow’s progress. Open an account online or connect with our team for guidance.

Disclaimer

Select two additional free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual. 

Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.