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Savings and Certificate Programs
Effective Date: Tuesday, July 27th, 2021
ProgramRequired InvestmentAnnual Percentage Yield
    DISCLOSURE INFORMATION:
As of 6/11/2018
Savings ++ $2,500.00 .10%
+ • Checking $2,500.00 .10%
Pass Book Savings IRA $1.00 .60%
1 Month Certificate >10k 04%
2 Month Certificate >10k .11%
3 Month Certificate <10k .15%
3 Month Certificate >10k .17%
6 Month Certificate <10k .21%
6 Month Certificate >10k .23%
12 Month Certificate <10k .31%
12 Month Certificate >10k .43%
12 Month Jumbo Certificate >100k .83%
18 Month Certificate <10k .60%
18 Month Certificate >10k .67%
24 Month Certificate <10k .70%
24 Month Certificate >10k .73%
30 Month Certificate <10k .71%
30 Month Certificate >10k .75%
36 Month Certificate <10k .74%
36 Month Certificate >10k .77%
IRA Jumbo >100k .87%

Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend.  Assesed fees could affect annual yield.  Up to 90 day penalty for early withdrawal on certificate of deposit accounts.

+The CFCU Debit VISA Debit Card has been blocked from being used at gas pumps due to a spike in card fraud that has been correctly identified as originating from gas pumps. The CFCU VISA Debit Card may be used inside with the cashier.

++ An overdraft transfer fee of $4.00 will apply after March 1, 2013. Overdrawn accounts are assessed a fee of $35.00 for each non sufficient funds occurrence.

• A service fee of $25.00 monthly will be charged to any account overdrawn more than 30 days.

Cashier's check = $2.00

AUTOMATED RESPONSE BANKING, TOLL FREE & EASY TO USE: 855-632-0398

EFFECTIVE OCTOBER 3, 2008: Your individual deposits are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, provided temporary unlimited share/deposit insurance coverage on all non-interest bearing transaction accounts in federally insured credit unions and banks. As of January 1, 2013, this coverage reverts back to the permanent level of $250,000.00.

IRAs insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

APY = Annual Percentage Yield

Individual Retirement Accounts

A tax shelter retirement plan.

Advantages to Credit Union IRA's

  • Insured up to $250,000.00 by the full faith and credit of the United States Government
  • No loading fees
  • No annual fees for maintaining the account
  • No hidden penalties for early withdrawal (other than those by IRS)
  • Deposits can be made through the convenience of payroll deduction
  • Earnings paid and compounded quarterly
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