Rates current as of
and subject to change. Certain conditions and restrictions may apply.
Regular Shares
| Account Type |
APR* |
APY** |
| $100 - $4,999 |
0.050% |
0.050% |
| $5,000 - $9,999 |
0.050% |
0.050% |
| $10,000 & above |
0.050% |
0.050% |
YOUTH SHARE ACCOUNTS
| Account Type | Minimum to Open | Required Balance | APR** | APY*** |
|---|
| Youth Savings |
$5 |
$5 |
0.05% |
0.05% |
| Youth Checking |
$0 |
$0 |
0.00% |
0.00% |
YOUTH TERM SHARE CERTIFICATES****
| Account Type | Minimum to Open | Maximum Amount | APR** | APY*** |
|---|
| 3 Months |
$100 |
$5,000 |
3.11% |
3.15% |
| 6 Months |
$100 |
$5,000 |
2.96% |
3.00% |
*Parent/Grandparent/Guardian must be a Joint owner on the account and must be eligible for membership. If Joint Owner is already a member, they must be in-good standing with Credit Union. **APR = Annual Percentage Rate. ***APY= Annual Percentage Yield. CCCCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. ****Youth Term Share Certificates will automatically renew at the current term certificate rate.
Holiday accounts
| Account Type |
APR* |
APY** |
| $100 - $4,999 |
0.050% |
0.050% |
| $5,000 - $9,999 |
0.050% |
0.050% |
| $10,000 & above |
0.050% |
0.050% |
Money Market Accounts
| Account Type |
APR* |
APY** |
| $2,500 - $49,999 |
0.100% |
0.100% |
| $50,000 & above |
0.150% |
0.150% |
Individual Retirement Accounts (IRAs)
| Account Type |
APR* |
APY** |
| IRAs (Roth, Traditional, Education) |
0.300% |
0.300% |
PROMOTIONAL TERM SHARE CERTIFICATES
| Account Type | Required Balance | APR* | APY** |
|---|
| 3 Months |
$1,000 - $99,999.99 |
3.41% |
3.45% |
| 3 Months |
$100,000+ |
3.83% |
3.90% |
*APR = Annual Percentage Rate. **APY= Annual Percentage Yield. CCCCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. Minimum required Promotional Share Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal. IRA accounts do not qualify for Promotional Share Certificates. Subject to change without notice.
TERM SHARE & IRA CERTIFICATES
| Account Type | Required Balance | APR* | APY** |
|---|
| 6 Months |
$1,000 - $49,999.99 |
2.86% |
2.90% |
| 6 Months |
$50,000 - $99,999.99 |
2.91% |
2.95% |
| 6 Months |
$100,000+ |
2.96% |
3.00% |
| 12 Months |
$1,000 - $49,999.99 |
2.86% |
2.90% |
| 12 Months |
$50,000 - $99,999.99 |
2.91% |
2.95% |
| 12 Months |
$100,000+ |
2.96% |
3.00% |
| 18 Months |
$1,000 - $49,999.99 |
2.86% |
2.90% |
| 18 Months |
$50,000 - $99,999.99 |
2.91% |
2.95% |
| 18 Months |
$100,000+ |
2.96% |
3.00% |
| 24 Months |
$1,000 - $49,999.99 |
2.91% |
2.95% |
| 24 Months |
$50,000 - $99,999.99 |
2.96% |
3.00% |
| 24 Months |
$100,000+ |
3.01% |
3.05% |
| 36 Months |
$1,000 - $49,999.99 |
2.96% |
3.00% |
| 36 Months |
$50,000 - $99,999.99 |
3.01% |
3.05% |
| 36 Months |
$100,000+ |
3.06% |
3.10% |
| 48 Months |
$1,000 - $49,999.99 |
3.01% |
3.05% |
| 48 Months |
$50,000 - $99,999.99 |
3.06% |
3.10% |
| 48 Months |
$100,000+ |
3.11% |
3.15% |
| 60 Months |
$1,000 - $49,999.99 |
3.06% |
3.10% |
| 60 Months |
$50,000 - $99,999.99 |
3.11% |
3.15% |
| 60 Months |
$100,000+ |
3.16% |
3.20% |
Minimum required Term Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal.
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*APR = Annual Percentage Rate. **APY= Annual Percentage Yield. CCCCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. ***Term certificates will automatically renew at the current term certificate rate.
