Certificate rates

Share Certificates
$1,000 Minimum – Penalty for Early Withdrawal

Certificate Term
Dividend Rate
APY²
6 months
(Limited Time Special)
3.698%
3.75%

12 months
(Limited Time Special

3.844%
3.90%

18 months
(Limited Time Special)

3.947%
4.00%

24 months
(Limited Time Special)

3.893%
3.95%
30 months
2.722%
2.75%

36 months

3.602%
3.65%
41 months
2.722%
2.75%
60 months
2.722%
2.75%

JUMBO Certificates
$100,000 Minimum – Penalty for Early Withdrawal

Certificate Term
Dividend Rate
APY²
6 months
(Limited Time Special)
3.796%
3.85%

12 months
(Limited Time Special)

3.941%
4.00%

18 months
(Limited Time Special)

3.932%
4.10%

24 months
(Limited Time Special)

3.99%
4.05%

30 months

2.82%
2.85%
36 months
3.699%
3.75%
41 months
2.82%
2.85%
60 months
2.82%
2.85%

Youth Certificates
$100 Min. $30,000 Max. - Penalty for Early Withdrawal

Certificate Term
Dividend Rate
APY²
3 Month Add-On³
3.844%
3.90%

²APY equals Annual Percentage Yield. Dividends on certificates are compounded quarterly. The APY does not change on certificates until the maturity date. Dividend rates on certificates are fixed when account is opened. Penalties may be imposed for early withdrawal and those fees could reduce earnings. Withdrawal of earnings could reduce APY. APY is accurate as of 6/1/2026.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁷Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.

Checking & Savings Rates

Minimum Balance to earn Dividend
Dividend Rate
APY²
Share savings⁴
$100
0.10%
0.10%
Secondary Savings⁴
$100
0.20%
0.20%
Share Draft (Checking)⁴
$500
0.05%
0.05%
Christmas Club⁴
$5
0.20%
0.20%
Vacation Club⁴
$5
0.20%
0.20%
Minimum Balance to earn Dividend
Dividend Rate
APY²
ira shares⁴
$100
0.25%
0.25%
roth ira shares⁴
$100
0.25%
0.25%
education ira shares⁴
$100
0.25%
0.25%
Health savings account⁴
$100
0.40%
0.40%
Youth Account⁴
$5
0.20%
0.20%
DID Account⁵
$50
0.25%
0.25%
Share Plus⁵
$50
0.25%
0.25%
Super Money Market⁵
$1,000 - $24,999.99
1.49%
1.50%
Super Money Market⁵
$25,000 - $49,999.99
2.96%
3.00%
Super Money Market⁵
$50,000 - $99,999.99
3.06%
3.10%
Super Money Market⁵
$100,000 - $249,999.99
3.16%
3.20%
Super Money Market⁵
$250,000 - $499,999.99
3.26%
3.30%
Super Money Market⁵
$500,000 - $999,999.99
3.35%
3.40%
Super Money Market⁵
$1,000,000+
3.45%
3.50%

²APY equals Annual Percentage Yield. Rates subject to change without notice.
⁴Dividends are compounded quarterly. Withdraw of earnings could reduce APY.
⁵Dividends are compounded monthly. Withdraw of earnings could reduce APY.
APY is accurate as of the last dividend declaration date effective 6/1/2026. Restrictions do apply. Public funds and financial institutions are not eligible for these rates. APY is accurate as of the last dividend declaration date. Please call for details.

Super Money Market or Share Certificate?

Super Money Market
Share Certificate
Access to Funds
Access your money when you need it.
Funds are locked in for the certificate term.
APY (Annual Percentage Yield)
Tiered rate that will increase or decrease based on account balance.
Fixed rate guaranteed for the entire term.
Minimum Balance
$1,000 minimum balance required to earn dividends. No min. balance required to open account.
$1,000 min. deposit required to open ($100,000 min. deposit for jumbo).
Flexibility
Add or withdraw funds as needed with no penalty or fees.
Additional deposits are not allowed during the certificate term.
Early Withdrawal Penalty
None
Penalty for early withdrawal.
Best For:
Members who want growth with liquidity.
Members who want a guaranteed return and won't need the funds during the length of the certificate term.
Which Option is Right for You?
Choose a Super Money Market Account if:
  • You want easy access to your funds.
  • You’re saving for goals that may require flexibility.
  • You want to take advantage of rising rates without committing to a term.
Choose a Share Certificate if:
  • You want a guaranteed rate of return.
  • You don’t anticipate needing the funds before maturity.
  • You’re looking for predictable earnings over a set period.

Both options are federally insured by the NCUA up to applicable limits, helping your savings stay safe while growing at CFCCU.