Deposit Rates

Savings, Checking & CD Rates

Updated November 2024

Savings Accounts

Account Type	Dividend Rate	APY	Minimum to Open
Share Savings	0.10%	0.10%	$5
Daily Interest/Holiday Club	0.10%	0.10%	no minimum
Kids Club Savings Account	0.10%	0.10%	no minimum
Automatic Savings	0.20%	0.20%	no minimum

APY = Annual Percentage Yield

The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors and are the rates and yields that the Credit Union anticipates paying for the applicable dividend period. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter.

Certificates of Deposit (CD)

Limited time 9 & 15 Month CD Specials - up to 4.37% APY (4.30% rate) | $5,000 Minimum. Complete details.

Account Type	Interest Rate	APY	Minimum to Open
Savings Builder CD* You may make additional deposits anytime up to $5,000 maximum value. Once your balance reaches $1,000, you have the option to upgrade to a regular CD. 12 month term.	1.75%	1.76%	$100
Youth Certificate/CD* For ages 0-17, you may make additional deposits anytime up to $10,000 maximum value. 6 month term.	2.60%	2.63%	$100
6 month CD	1.50%	1.51%	$1,000
12 month CD	1.95%	1.96%	$1,000
24 month CD	2.15%	2.17%	$1,000
36 month CD	2.40%	2.42%	$1,000
48 month CD	2.50%	2.52%	$1,000
60 month CD	2.75%	2.78%	$1,000
CD Specials** Limited time, 9 month term	up to 4.30%	up to 4.37%	$5,000
Limited time, 15 month term	up to 3.70%	up to 3.75%	$5,000

*Maximum 1 Youth CD per SSN under age 18. Maximum 1 Savings Builder CD per SSN 18 years and older. 6 Month CD not available for IRA. A penalty may be imposed for early withdrawal.

**APY = Annual Percentage Yield. Rates effective as of 10/03/2024 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.37% APY and 15-month CD for 3.75% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 4.16% APY, 15-month CD for 3.55% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings.

IRA Certificates of Deposit

Limited time 9 & 15 Month IRA CD Specials - up to 4.37% APY (4.30% rate) | $5,000 Minimum. Complete details.

Account Type	Interest Rate	APY	Minimum to Open
12 month CD	1.95%	1.96%	$1,000
24 month CD	2.15%	2.17%	$1,000
36 month CD	2.40%	2.42%	$1,000
48 month CD	2.50%	2.52%	$1,000
60 month CD	2.75%	2.78%	$1,000
CD Specials* Limited time, 9 month term	up to 4.30%	up to 4.37%	$5,000
Limited time, 15 month term	up to 3.70%	up to 3.75%	$5,000

Health Savings Accounts (HSAs)

HSAs (tiered)	Interest Rate	APY	Minimum
$0-$2,499	0.05%	0.05%	no minimum
$2,500-$9,999	0.10%	0.10%	$2,500
$10,000-$24,999	0.14%	0.14%	$10,000
$25,000 and over	0.18%	0.18%	$25,000

Checking Accounts

Account Type	Interest Rate	APY	Minimum to Open
iSelect Checking	0.03%	0.03%	no minimum
Advantage Checking (tiered)	-	-	-
$2,500-$9,999	0.06%	0.06%	$2,500
$10,000-$24,999	0.10%	0.10%	$10,000
$25,000 and over	0.14%	0.14%	$25,000
AdvantagePlus Checking	0.18%	0.18%	$10,000

iSelect interest rate earned only if interest option is selected upon opening account.

Individual Retirement Account (IRA) Savings

IRA Savings (tiered)	Interest Rate	APY	Minimum
$1-$24,999	0.35%	0.35%	no minimum
$25,000-$49,999	0.40%	0.40%	$25,000
$50,000-$99,999	0.50%	0.50%	$50,000
$100,000 and over	0.60%	0.60%	$100,000

Money Market Savings

Money Market Savings (tiered)	Interest Rate	APY	Minimum
$0-$2,499	0.10%	0.10%	$0
$2,500-$24,999	0.35%	0.35%	$2,500
$25,000-$49,999	0.40%	0.40%	$25,000
$50,000-$99,999	0.50%	0.50%	$50,000
$100,000 and over	0.60%	0.60%	$100,000