close

Click here to see Loan Rates

Deposit Account Rates

SAVINGS ACCOUNTS
Product Rate+ APY*
Membership Savings 0.35% 0.35%
Online Savings **
Minimum daily balance Up to $499.99 1.00% 1.00%
Minimum daily balance of $500+ 1.25% 1.26%
Lucky Savings NEW 0.35% 0.35%
Rainy Day Savings NEW
(Balances up to $2,000.00) 3.00% 3.04%
(Balances over $2,000.00) 0.35% 0.35%
My Account 0.55% 0.55%
Club Accounts 0.55% 0.55%
Tax Saver 0.55% 0.55%
Health Savings 0.60% 0.60%
Coverdell Education Savings 0.50% 0.50%
CHECKING ACCOUNTS
High Yield Checking
Product Rate+ APY*
(Balances up to $5,000.00)* 5.00% 5.12%
(Balances over $5,000.00) 0.30% 0.30%
    * 5% rate subject to qualifications. Otherwise 0.3% rate applies.
Share Certificates
Term $1000 minimum $100,000 minimum
  Rate+ APY* Rate+ APY*
3 months 0.55% 0.55% 0.70% 0.70%
6 months 0.80% 0.80% 0.95% 0.95%
9 months 0.95% 0.95% 1.10% 1.11%
12 months 1.20% 1.21% 1.35% 1.36%
18 months (limited time only) 1.75% 1.76% 1.90% 1.92%
24 months 1.60% 1.61% 1.75% 1.76%
30 months 1.80% 1.82% 1.95% 1.97%
36 months 2.00% 2.02% 2.15% 2.17%
48 months 2.20% 2.22% 2.35% 2.38%
60 months 2.46% 2.49% 2.61% 2.64%
  • Not available for IRA certificates
IRA Certificates
Term $1000 minimum $100,000 minimum
  Rate+ APY* Rate+ APY*
12 months 1.45% 1.46% 1.60% 1.61%
18 months 2.00% 2.02% 2.15% 2.17%
24 months 1.85% 1.87% 2.00% 2.02%
30 months 2.05% 2.07% 2.20% 2.22%
36 months 2.25% 2.27% 2.40% 2.43%
48 months 2.45% 2.48% 2.60% 2.63%
60 months 2.71% 2.74% 2.86% 2.90%
Compare our 12 month Certificate Rate!
Our APY* Our DDEPY Bank Of America
(Los Angeles, CA)
APY*
Chase
(Austin, TX)
APY*
Fifth Third
(Aurora, IL)
APY*
1.01% 1.26% 0.05% 0.02% 0.05%
    *APY = Annual Percentage Yield. Rates current as of 12/01/19 and subject to change. Rates are based on a minimum deposit of $1,000, except Fifth Third, which is based on a minimum deposit of $500. Rate survey taken from www.bankofamerica.comwww.chase.com and www.53.com.
IRA
Product Rate+ APY*
Variable Rate IRA 1.00% 1.00%
Money Market Accounts
    With Direct Deposit

Tiers

Rate+

APY*

Rate+

APY*

Up to $9,999.99

0.55%

0.55%

0.80%

0.80%

10,000 - $24,999.99   

0.60%

0.60%

0.85%

0.85%

$25,000 - $49,999.99 

0.75%

0.75%

1.00%

1.00%

$50,000 - $99,999.99

0.85%

0.85%

1.11%

1.11%

$100,000+

1.00%

1.00%

1.26%

1.26%


 

*APR = Annual Percentage Rate. Rates are subject to change at anytime.*APY = Annual Percentage Yield. Fees could reduce the earnings on an account. Rates current as of December 01, 2019. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts. †Not available for IRA Certificates. **Branch and call center access are not available with the Online Savings Account. ‡Direct Deposit (DDEP) Bonus For Regular Terms Share Certificates & IRA Certificates and Money Market accounts: Certificate and Money Market account holders can get an additional 0.25% if they have DDEP in the amount of $1,000.00 or more monthly. (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening for Certificates and subject to the APY calculations for Money Market accounts. If a qualifying DDEP cannot be verified 1)for Money Market accounts while the account is active or 2)for Certificate accounts at time of account opening, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new certificate or Money Market account, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60 day timeline the bonus for the Certificate will be forfeited, the rate will be reduced by 0.25%, and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold during the term of the certificate. There will be no Rate Bonus on current certificates, however bonus can be added at time of renewal and during the grace period. ***The maximum bonus for Certificates of 0.50% is inclusive of any of the three promotional bonuses: 0.25% for DDEP, 0.01% for every year starting at age 61 up to 75 years (max of 0.15%), and deposits over $100,000 earn an additional 0.15%. After all bonuses have been applied, the combined total of extra basis points cannot exceed 0.50%. Rates and terms subject to change at any time. ◊ (High Yield Checking) Requires 1)$1,000 monthly minimum direct deposit, 2)enrolled in and receiving eStatements and 3)conduct 15 debit card Point of Sale transactions using the Farmers Insurance Federal Credit Union debit card. Additional restrictions apply.

Printable version
National Credit Union Administration

This Credit Union is federally insured by the National Credit Union Administration. This Credit Union is an Equal Housing Lender, we make loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.877.2345 for assistance.

© 2019 Farmers Insurance Group Federal Credit Union.

All rights reserved.

We're On Social Media!

Facebook Twitter LinkedIn Instagram