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Deposit Account Rates | Loan Rates

Deposit Account Rates

SAVINGS ACCOUNTS
ProductRate+APY*
Membership Savings0.25%0.25%
Online Savings **
Minimum daily balance of $5000.50%0.50%
Minimum daily balance under $5000.25%0.25%
My Account0.50%0.50%
Club Accounts0.50%0.50%
Tax Saver0.50%0.50%
Money Market
Up to $999.990.25%0.25%
$1,000-$9,999.990.30%0.30%
$10,000-$24,999.990.35%0.35%
$25,000-$49,999.990.50%0.50%
$50,000+0.60%0.60%
Health Savings0.60%0.60%
Coverdell Education Savings0.50%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%
Share and IRA Certificates
Term $1000 minimum $100,000 minimum
  Rate+ APY* Rate+ APY*
3 months 0.25% 0.25% 0.40% 0.40%
6 months 0.30% 0.30% 0.45% 0.45%
9 months 0.45% 0.45% 0.60% 0.60%
12 months 0.50% 0.50% 0.65% 0.65%
24 months 1.00% 1.01% 1.15% 1.16%
30 months 1.10% 1.11 % 1.25% 1.26%
36 months 1.25% 1.25% 1.40% 1.41%
48 months 1.50% 1.51% 1.65% 1.66%
60 months 2.00% 2.02% 2.15% 2.17%
  • Not available for IRA certificates
Compare our 12 month Certificate Rate!
Our APY* Our DDEPY Wells Fargo
(Los Angeles, CA)
APY*
Chase
(Austin, TX)
APY*
Fifth Third
(Aurora, IL)
APY*
0.50% 0.75% 0.05% 0.02% 0.05%
    *APY = Annual Percentage Yield. Rates current as of 12/1/16 and subject to change. Rates are based on a minimum deposit of $1,000, except Wells Fargo which is based on a minimum deposit of $2,500 and Fifth Third, which is based on a minimum deposit of $500. Rate survey taken from www.wellsfargo.com, www.chase.com and www.53.com.
IRA
ProductRate+APY*
Variable Rate IRA0.60%0.60%
    *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 1, 2016. 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 Share Certificates & IRA Certificates: Certificate account holders can get an additional 0.25% if they have DDEP in the amount of $500.00 or more monthly. (Members paid bi-monthly can have DDEP deposits of $250 each to reach the $500 monthly minimum). Rate bonus will be applied upfront after account opening. If a qualifying DDEP cannot be verified 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, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60 day timeline the bonus 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 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)$500 monthly minimum direct deposit, 2)enrolled in and receiving eStatements and 3)conduct 20 debit card Point of Sale transactions using the Farmers Insurance Federal Credit Union debit card. Additional restrictions apply.
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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.

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