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*

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. 6 month term.

Savings Builder CD

Deposits may be made anytime up to $5,000 max value.

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. 12 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

Deposits may be made anytime up to $5,000 max value.

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

0.20%

0.20% Rate

0.20%

0.20% 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

0.20% Rate

0.20% 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