Want to Make Your Money Grow Faster?
Check out our interest rates.
As a credit union, we’re able to offer competitive rates that are often better than larger financial institutions, while reinforcing our commitment to local communities. Depending on your balances and your goals, we have a wide array of options, each able to stretch your savings further. View the current rates below for our high-value personal savings accounts, money market accounts, interest-bearing checking account, high-yield certificates of deposit or Individual Retirement Accounts!
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Regular Savings | 0.150% | 0.15% | $5.00 | $500 |
| Special Savings | 0.150% | 0.15% | $0.01 | $500 |
| Holiday Club | 0.150% | 0.15% | $0.01 | $0.01 |
| Vacation Club | 0.150% | 0.15% | $0.01 | $0.01 |
| Individual Retirement Account | 0.499% | 0.50% | $0.01 | $0.01 |
Interest compounded quarterly; Dividend credited quarterly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Youth Savings | 1.982% | 2.00% | $0.01 | $0.01-$750.00 |
| Youth Savings | 0.150% | 0.15% | $0.01 | $750.01 and more |
Interest compounded quarterly; Dividend credited quarterly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Money Market Specials - Personal | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99 |
| Money Market Specials - Personal | 0.978% | 0.98% | $2,500 | $10,000- $24,999.99 |
| Money Market Specials - Personal | 1.094% | 1.10% | $2,500 | $25,000- $49,999.99 |
| Money Market Specials - Personal | 1.243% | 1.25% | $2,500 | $50,000- $99,999.99 |
| Money Market Specials - Personal | 1.490% | 1.50% | $2,500 | $100,000- $999,999.99 |
| Money Market Specials - Personal | 1.982% | 2.00% | $2,500 | $1,000,000 and more |
Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Money Market Account | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99 |
| Money Market Account | 0.250% | 0.25% | $2,500 | $10,000- $24,999.99 |
| Money Market Account | 0.449% | 0.45% | $2,500 | $25,000- $39,999.99 |
| Money Market Account | 0.549% | 0.55% | $2,500 | $40,000-$99,999.99 |
| Money Market Account | 0.747% | 0.75% | $2,500 | $100,000-$1,999,999.99 |
| Money Market Account | 0.995% | 1.00% | $2,500 | $2,000,000-$4,999,999.99 |
| Money Market Account | 0.020% | 0.02% | $2,500 | $5,000,000 and more |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Money Market Plus | 0.250% | 0.25% | 50,000 | $50,000-$99,999.99 |
| Money Market Plus | 0.499% | 0.50% | $50,000 | $100,000-$1,999,999.99 |
| Money Market Plus | 0.499% | 0.50% | $50,000 | $2,000,000-$4,999,999.99 |
| Money Market Plus | 0.020% | 0.02% | $50,000 | $5,000,000 and more |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Money Market Advantage | 0.250% | 0.25% | $65,000 | $65,000-$99,999.99 |
| Money Market Advantage | 0.499% | 0.50% | $65,000 | $100,000- $249,999.99 |
| Money Market Advantage | 0.499% | 0.50% | $65,000 | $250,000-$4,999,999.99 |
| Money Market Advantage | 0.020% | 0.02% | $65,000 | $5,000,000 and more |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Money Market Specials - Business¹ | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99 |
| Money Market Specials - Business¹ | 0.995% | 1.00% | $2,500 | $10,000- $24,999.99 |
| Money Market Specials - Business¹ | 1.243% | 1.25% | $2,500 | $25,000- $49,999.99 |
| Money Market Specials - Business¹ | 1.391% | 1.40% | $2,500 | $50,000- $99,999.99 |
| Money Market Specials - Business¹ | 1.638% | 1.65% | $2,500 | $100,000- $999,999.99 |
| Money Market Specials - Business¹ | 1.982% | 2.00% | $2,500 | $1,000,000 and more |
Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Business Money Market¹ | 0.020% | 0.02% | $2,500 | $2,500-$9,999.99 |
| Business Money Market¹ | 0.250% | 0.25% | $2,500 | $10,000- $24,999.99 |
| Business Money Market¹ | 0.250% | 0.25% | $2,500 | $25,000- $39,999.99 |
| Business Money Market¹ | 0.250% | 0.25% | $2,500 | $40,000-$99,999.99 |
| Business Money Market¹ | 0.499% | 0.50% | $2,500 | $100,000- $1,999,999.99 |
| Business Money Market¹ | 0.499% | 0.50% | $2,500 | $2,000,000-$4,999,999.99 |
| Business Money Market¹ | 0.020% | 0.02% | $2,500 | $5,000,000 and more |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Consumer Interest Checking | 0.995% | 1.00% | $10,000 | $10,000- $24,999.99 |
| Consumer Interest Checking | 1.094% | 1.10% | $10,000 | $25,000- $49,999.99 |
| Consumer Interest Checking | 1.243% | 1.25% | $10,000 | $50,000- $99,999.99 |
| Consumer Interest Checking | 1.490% | 1.50% | $10,000 | $100,000- $999,999.99 |
| Consumer Interest Checking | 1.982% | 2.00% | $10,000 | $1,000,000.00-$1,499.999.99 |
| Consumer Interest Checking | 2.960% | 3.00% | $10,000 | $1,500,000.00+ |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Value Checking | 0.000% | 0.00% | $0.01 | N/A |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Business Interest Checking¹ | 0.995% | 1.00% | $10,000 | $10,000- $24,999.99 |
| Business Interest Checking¹ | 1.243% | 1.25% | $10,000 | $25,000- $49,999.99 |
| Business Interest Checking¹ | 1.391% | 1.40% | $10,000 | $50,000- $99,999.99 |
| Business Interest Checking¹ | 1.638% | 1.65% | $10,000 | $100,000- $999,999.99 |
| Business Interest Checking¹ | 1.982% | 2.00% | $10,000 | $1,000,000.00-$1,499.999.99 |
| Business Interest Checking¹ | 2.960% | 3.00% | $10,000 | $1,500,000.00+ |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| Business Value Checking | 0.000% | 0.00% | $0.01 | N/A |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest |
|---|---|---|---|---|
| IOTA Account | 3.348% | 3.40% | $10,000 | $10,000- $24,999.99 |
| IOTA Account | 3.348% | 3.40% | $10,000 | $25,000- $49,999.99 |
| IOTA Account | 3.348% | 3.40% | $10,000 | $50,000- $99,999.99 |
| IOTA Account | 3.348% | 3.40% | $10,000 | $100,000- $999,999.99 |
| IOTA Account | 3.348% | 3.40% | $10,000 | $1,000,000.00-$1,499.999.99 |
| IOTA Account | 3.348% | 3.40% | $10,000 | $1,500,000.00+ |
Interest compounded monthly; Dividend credited monthly.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest | Penalty Days² |
|---|---|---|---|---|---|
| 7 month CD & IRA CD Special | 4.793% | 4.90% | $1,000 | $1,000 | 105 |
| 9 month CD & IRA CD Special | 4.985% | 5.10% | $1,000 | $1,000 | 135 |
| 13 month CD & IRA CD Special | 5.223% | 5.35% | $1,000 | $1,000 | 195 |
| 18 month CD & IRA CD Special | 5.461% | 5.60% | $1,000 | $1,000 | 270 |
Interest compounded quarterly; Dividend credited quarterly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product.
| Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest | Penalty Days² |
|---|---|---|---|---|---|
| 6 month CD & IRA CD | 3.687% | 3.75% | $1,000 | $1,000 | 90 |
| 12 month CD & IRA CD | 3.348% | 3.40% | $1,000 | $1,000 | 180 |
| 18 month CD & IRA CD | 3.105% | 3.15% | $1,000 | $1,000 | 270 |
| 24 month CD & IRA CD | 3.590% | 3.65% | $1,000 | $1,000 | 360 |
| 36 month CD & IRA CD | 3.300% | 3.35% | $1,000 | $1,000 | 540 |
| 48 month CD & IRA CD | 3.203% | 3.25% | $1,000 | $1,000 | 720 |
| 60 month CD & IRA CD | 3.105% | 3.15% | $1,000 | $1,000 | 900 |
Interest compounded quarterly; Dividend credited quarterly.
DISCLOSURES
Rates accurate as of 08/23/2023 and subject to change at anytime.
Refer to the Membership and Account Agreement which can be obtained at any branch or viewed online for specific terms and conditions of the accounts. Fees or other conditions may reduce earnings. Fees are subject to change. See separate fee schedule for details.
1. These products are not eligible to be opened by financial institutions. Please contact FCU for broker CD options.
2. We may impose a penalty if you withdraw funds from your account before the maturity date. The penalty will be a loss of number of days of interest earned equivalent.