Federal Credit Union
Checking & Savings Rates Effective December 1, 2024
Checking Accounts
|
Account |
Rate |
APY* |
Min. Balance |
|---|---|---|---|
|
Free Checking |
0% |
0% |
– |
|
Money Market Checking |
0.05% |
0.05% |
$2,500 |
|
WOW Checking Account Balances $100,000 or Less |
2.00% |
2.02% |
See Requirements Below |
|
WOW Checking Account Balances $100,000 or More |
1.00% |
1.00% |
See Requirements Below |
Savings & Investment
|
Rate |
APY* |
Min. Balance |
|
|---|---|---|---|
|
Share Savings |
0.02% |
0.02% |
$25 |
|
Super Share Savings |
0.05% |
0.05% |
$5,000 |
|
Holiday/Vacation Club Savings |
0.02% |
0.02% |
– |
|
Individual Retirement Accounts (IRA) |
0.10% |
0.10% |
– |
Share & IRA Share Certificates
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Certificate Terms
|
Term |
Rate |
APY* |
Min. Balance |
|---|---|---|---|
|
3 months |
4.05% |
4.13% |
$1,000 |
|
6 months |
3.89% |
3.96% |
$1,000 |
|
12 months |
3.85% |
3.92% |
$1,000 |
|
24 months |
3.80% |
3.87% |
$1,000 |
|
36 months |
3.75% |
3.82% |
$1,000 |
|
48 months |
3.75% |
3.82% |
$1,000 |
|
60 months |
3.74% |
3.80% |
$1,000 |
Early withdrawal penalty for Share Certificate accounts:
Term of less than 1 year 90 days’ dividends
Term of 1 year or more 180 days’ dividends
* Annual Percentage Yield
To receive the rate for WOW accounts, members must have direct deposit of $750 or more a month.
Dividend rates on Share, Money Market and Super Share and IRA Share accounts are declared by the Board of Directors at the end of each month and are subject to change.
