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Savings and Certificate Programs
Effective Date: Monday, May 27th, 2024
ProgramRequired InvestmentAnnual Percentage Yield
Passbook Savings ++ $2,500 .10%
Checking + . $2,500 .10%
Passbook IRA Savings $25 .10%
6 Month Certificate of Deposit $2,500 4.25%
6 Month IRA Certificate of Deposit $2,500 4.25%
12 Month Certificate of Deposit $2,500 4.25%
12 Month IRA Certificate of Deposit $2,500 4.25%
18 Month Certificate of Deposit $2,500 4.00%
18 Month IRA Certificate of Deposit $2,500 4.00%
24 Month Certificate of Deposit $2,500 3.75%
24 Month IRA Certificate of Deposit $2,500 3.75%
36 Month Certificate of Deposit $2,500 3.50%
36 Month IRA Certificate of Deposit $2,500 3.50%

Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend.  Assessed 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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