Checking
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Deposit Rates
Savings, Checking & CD Rates
Updated January 2024
Savings Accounts
|
Account Type |
Dividend Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
Share Savings Share Savings |
0.15% 0.15% Rate |
0.15% 0.15% APY |
$5 $5 minimum to open |
|
Daily Interest/Holiday Club Daily Interest/Holiday Club |
0.15% 0.15% Rate |
0.15% 0.15% APY |
no minimum No minimum balance to open |
|
Kids Club Savings Account Kids Club Savings Account |
0.15% 0.15% Rate |
0.15% 0.15% APY |
no minimum No minimum balance to open |
|
Automatic Savings Automatic Savings |
0.30% 0.30% Rate |
0.30% 0.30% APY |
no minimum No minimum balance to open |
Account Type
Share Savings
0.15% Rate
0.15% APY
$5 minimum to open
Account Type
Daily Interest/Holiday Club
0.15% Rate
0.15% APY
No minimum balance to open
Account Type
Kids Club Savings Account
0.15% Rate
0.15% APY
No minimum balance to open
Account Type
Automatic Savings
0.30% Rate
0.30% APY
No minimum balance to open
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
Limited time 9 & 15 Month CD Specials - up to 5.00% APY (4.91% rate) | $5,000 Minimum. Complete details.
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
Savings Builder CD* Savings Builder CD Make additional deposits up to $5,000 at a 12 month term. |
1.75% 1.75% Rate |
1.76% 1.76% APY |
$100 $100 minimum to open |
|
Youth Certificate/CD* For ages 0-17, you may make additional deposits anytime up to $10,000 maximum value. 6 month term. Youth Certificate For ages 0-17, may make deposits anytime up to $10,000 max value. |
2.70% 2.70% Rate |
2.73% 2.73% APY |
$100 $100 minimum to open |
|
6 month CD 6 month CD |
1.50% 1.50% Rate |
1.51% 1.51% APY |
$1,000 $1,000 minimum to open |
|
12 month CD 12 month CD |
1.95% 1.95% Rate |
1.96% 1.96% APY |
$1,000 $1,000 minimum to open |
|
24 month CD 24 month CD |
2.15% 2.15% Rate |
2.17% 2.17% APY |
$1,000 $1,000 minimum to open |
|
36 month CD 36 month CD |
2.40% 2.40% Rate |
2.42% 2.42% APY |
$1,000 $1,000 minimum to open |
|
48 month CD 48 month CD |
2.50% 2.50% Rate |
2.52% 2.52% APY |
$1,000 $1,000 minimum to open |
|
60 month CD 60 month CD |
2.75% 2.75% Rate |
2.78% 2.78% APY |
$1,000 $1,000 minimum to open |
|
CD Specials** Limited time, 9 month term |
up to 4.91% up to 4.91% Rate |
up to 5.00% up to 5.00% APY |
$5,000 $5,000 minimum to open |
|
Limited time, 15 month term |
up to 4.72% up to 4.72% Rate |
up to 4.80% up to 4.80% APY |
$5,000 $5,000 minimum to open |
Account Type
Savings Builder CD
Make additional deposits up to $5,000 at a 12 month term.
1.75% Rate
1.76% APY
$100 minimum to open
Account Type
Youth Certificate
For ages 0-17, may make deposits anytime up to $10,000 max value.
2.70% Rate
2.73% APY
$100 minimum to open
Account Type
6 month CD
1.50% Rate
1.51% APY
$1,000 minimum to open
Account Type
12 month CD
1.95% Rate
1.96% APY
$1,000 minimum to open
Account Type
24 month CD
2.15% Rate
2.17% APY
$1,000 minimum to open
Account Type
36 month CD
2.40% Rate
2.42% APY
$1,000 minimum to open
Account Type
48 month CD
2.50% Rate
2.52% APY
$1,000 minimum to open
Account Type
60 month CD
2.75% Rate
2.78% APY
$1,000 minimum to open
Account Type
CD Specials**
Limited time, 9 month term
up to 4.91% Rate
up to 5.00% APY
$5,000 minimum to open
Account Type
Limited time, 15 month term
up to 4.72% Rate
up to 4.80% APY
$5,000 minimum to open
*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 01/08/2024 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 5.00% APY and 15-month CD for 4.80% 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 4.80% APY, 15-month CD for 4.60% 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 5.00% APY (4.91% rate) | $5,000 Minimum. Complete details.
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
12 month CD 12 month IRA CD |
1.95% 1.95% Rate |
1.96% 1.96% APY |
$1,000 $1,000 minimum to open |
|
24 month CD 24 month IRA CD |
2.15% 2.15% Rate |
2.17% 2.17% APY |
$1,000 $1,000 minimum to open |
|
36 month CD 36 month IRA CD |
2.40% 2.40% Rate |
2.42% 2.42% APY |
$1,000 $1,000 minimum to open |
|
48 month CD 48 month IRA CD |
2.50% 2.50% Rate |
2.52% 2.52% APY |
$1,000 $1,000 minimum to open |
|
60 month CD 60 month IRA CD |
2.75% 2.75% Rate |
2.78% 2.78% APY |
$1,000 $1,000 minimum to open |
|
CD Specials* Limited time, 9 month term |
up to 4.91% up to 4.91% Rate |
up to 5.00% up to 5.00% APY |
$5,000 $5,000 minimum to open |
|
Limited time, 15 month term |
up to 4.72% up to 4.72% Rate |
up to 4.80% up to 4.80% APY |
$5,000 $5,000 minimum to open |
Account Type
12 month IRA CD
1.95% Rate
1.96% APY
$1,000 minimum to open
Account Type
24 month IRA CD
2.15% Rate
2.17% APY
$1,000 minimum to open
Account Type
36 month IRA CD
2.40% Rate
2.42% APY
$1,000 minimum to open
Account Type
48 month IRA CD
2.50% Rate
2.52% APY
$1,000 minimum to open
Account Type
60 month IRA CD
2.75% Rate
2.78% APY
$1,000 minimum to open
Account Type
CD Specials*
Limited time, 9 month term
up to 4.91% Rate
up to 5.00% APY
$5,000 minimum to open
Account Type
Limited time, 15 month term
up to 4.72% Rate
up to 4.80% APY
$5,000 minimum to open
*APY = Annual Percentage Yield. Rates effective as of 01/08/2024 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 5.00% APY and 15-month CD for 4.80% 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 4.80% APY, 15-month CD for 4.60% 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 HSA $0-$2,499 |
0.11% 0.11% Rate |
0.11% 0.11% APY |
no minimum No minimum |
|
$2,500-$9,999 HSA $2,500-$9,999 |
0.16% 0.16% Rate |
0.16% 0.16% APY |
$2,500 $2,500 minimum |
|
$10,000-$24,999 HSA $10,000-$24,999 |
0.19% 0.19% Rate |
0.19% 0.19% APY |
$10,000 $10,000 minimum |
|
$25,000 and over HSA $25,000 and over |
0.22% 0.22% Rate |
0.22% 0.22% APY |
$25,000 $25,000 minimum |
HSAs (tiered)
HSA $0-$2,499
0.11% Rate
0.11% APY
No minimum
HSAs (tiered)
HSA $2,500-$9,999
0.16% Rate
0.16% APY
$2,500 minimum
HSAs (tiered)
HSA $10,000-$24,999
0.19% Rate
0.19% APY
$10,000 minimum
HSAs (tiered)
HSA $25,000 and over
0.22% Rate
0.22% APY
$25,000 minimum
Checking Accounts
|
Account Type |
Interest Rate |
APY |
Minimum to Open |
|---|---|---|---|
|
iSelect Checking iSelect Checking |
0.06% 0.06% Rate |
0.06% 0.06% APY |
no minimum No minimum |
|
Advantage Checking (tiered) Advantage Checking $0-$2,499 |
- no interest earned |
- |
- $2,500 minimum to open |
|
$2,500-$9,999 Advantage Checking $2,500-$9,999 |
0.13% 0.13% Rate |
0.13% 0.13% APY |
$2,500 $2,500 minimum |
|
$10,000-$24,999 Advantage Checking $10,000-$24,999 |
0.16% 0.16% Rate |
0.16% 0.16% APY |
$10,000 $10,000 minimum |
|
$25,000 and over Advantage Checking $25,000 and over |
0.19% 0.19% Rate |
0.19% 0.19% APY |
$25,000 $25,000 minimum |
|
AdvantagePlus Checking AdvantagePlus Checking |
0.25% 0.25% Rate |
0.25% 0.25% APY |
$10,000 $10,000 minimum |
Account Type
iSelect Checking
0.06% Rate
0.06% APY
No minimum
Account Type
Advantage Checking $0-$2,499
no interest earned
-
$2,500 minimum to open
Account Type
Advantage Checking $2,500-$9,999
0.13% Rate
0.13% APY
$2,500 minimum
Account Type
Advantage Checking $10,000-$24,999
0.16% Rate
0.16% APY
$10,000 minimum
Account Type
Advantage Checking $25,000 and over
0.19% Rate
0.19% APY
$25,000 minimum
Account Type
AdvantagePlus Checking
0.25% Rate
0.25% APY
$10,000 minimum
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 IRA Savings $1-$24,999 |
0.35% 0.35% Rate |
0.35% 0.35% APY |
no minimum No minimum |
|
$25,000-$49,999 IRA Savings $25,000-$49,999 |
0.40% 0.40% Rate |
0.40% 0.40% APY |
$25,000 $25,000 minimum |
|
$50,000-$99,999 IRA Savings $50,000-$99,999 |
0.50% 0.50% Rate |
0.50% 0.50% APY |
$50,000 $50,000 minimum |
|
$100,000 and over IRA Savings $100,000 and over |
0.60% 0.60% Rate |
0.60% 0.60% APY |
$100,000 $100,000 minimum |
IRA Savings (tiered)
IRA Savings $1-$24,999
0.35% Rate
0.35% APY
No minimum
IRA Savings (tiered)
IRA Savings $25,000-$49,999
0.40% Rate
0.40% APY
$25,000 minimum
IRA Savings (tiered)
IRA Savings $50,000-$99,999
0.50% Rate
0.50% APY
$50,000 minimum
IRA Savings (tiered)
IRA Savings $100,000 and over
0.60% Rate
0.60% APY
$100,000 minimum
Money Market Savings
|
Money Market Savings (tiered) |
Interest Rate |
APY |
Minimum |
|---|---|---|---|
|
$0-$2,499 Money Market Savings $0-$2,499 |
0.15% 0.15% Rate |
0.15% 0.15% APY |
$0 $0 minimum |
|
$2,500-$24,999 Money Market Savings $2,500-$24,999 |
0.35% 0.35% Rate |
0.35% 0.35% APY |
$2,500 $2,500 minimum |
|
$25,000-$49,999 Money Market Savings $25,000-$49,999 |
0.40% 0.40% Rate |
0.40% 0.40% APY |
$25,000 $25,000 minimum |
|
$50,000-$99,999 Money Market Savings $50,000-$99,999 |
0.50% 0.50% Rate |
0.50% 0.50% APY |
$50,000 $50,000 minimum |
|
$100,000 and over Money Market Savings $100,000 and over |
0.60% 0.60% Rate |
0.60% 0.60% APY |
$100,000 $100,000 minimum |
Money Market Savings (tiered)
Money Market Savings $0-$2,499
0.15% Rate
0.15% APY
$0 minimum
Money Market Savings (tiered)
Money Market Savings $2,500-$24,999
0.35% Rate
0.35% APY
$2,500 minimum
Money Market Savings (tiered)
Money Market Savings $25,000-$49,999
0.40% Rate
0.40% APY
$25,000 minimum
Money Market Savings (tiered)
Money Market Savings $50,000-$99,999
0.50% Rate
0.50% APY
$50,000 minimum
Money Market Savings (tiered)
Money Market Savings $100,000 and over
0.60% Rate
0.60% APY
$100,000 minimum