Regular Shares
| Minimum to Open | Required Balance | APR* | APY** |
|---|---|---|---|
| $5 | $5 | 0.05% | 0.05% |
High Yield Shares
| Minimum to Open | Required Balance | APR* | APY** |
|---|---|---|---|
| $5,000 | $5,000 - $24,999.99 | 2.03% | 2.05% |
| $5,000 | $25,000 - $49,999.99 | 2.23% | 2.25% |
| $5,000 | $50,000 - $99,999.99 | 2.47% | 2.50% |
| $5,000 | $100,000 - $149,999.99 | 2.72% | 2.75% |
| $5,000 | $150,000+ | 2.96% | 3.00% |
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***
| Term | 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% |
Holiday accounts
| Minimum to Open | Required Balance | APR* | APY** |
|---|---|---|---|
| $5 | $5 | 0.05% | 0.05% |
Money Market Accounts
| Minimum to Open | Required Balance | APR* | APY** |
|---|---|---|---|
| $2,000 | $2,500 - $49,999 | 0.10% | 0.10% |
| $2,000 | $50,000+ | 0.15% | 0.15% |
Individual Retirement Accounts (IRAs)
| Account Type | APR* | APY** |
|---|---|---|
| IRAs (Roth, Traditional, Education) | 0.300% | 0.300% |
TERM SHARE & IRA CERTIFICATES****
| Term | Required Balance | APR* | APY** |
|---|---|---|---|
| 6 Months | $500 - $149,999.99 | 2.96% | 3.00% |
| 6 Months | $150,000+ | 3.25% | 3.30% |
| 12 Months | $500 - $149,999.99 | 3.06% | 3.10% |
| 12 Months | $150,000+ | 3.35% | 3.40% |
| 18 Months | $500 - $149,999.99 | 3.06% | 3.10% |
| 18 Months | $150,000+ | 3.35% | 3.40% |
| 24 Months | $500 - $149,999.99 | 3.15% | 3.20% |
| 24 Months | $150,000+ | 3.45% | 3.50% |
| 36 Months | $500 - $149,999.99 | 3.25% | 3.30% |
| 36 Months | $150,000+ | 3.54% | 3.60% |
| 48 Months | $500 - $49,999.99 | 3.35% | 3.40% |
| 48 Months | $150,000+ | 3.64% | 3.70% |
| 60 Months | $500 - $49,999.99 | 3.45% | 3.50% |
| 60 Months | $150,000+ | 3.74% | 3.80% |
Ready to open an account? Become a Member Today Savings Calculator
*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. ***For Youth Share Accounts and Youth Term Share Certificates, 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. Youth Term Share Certificates will automatically renew at the current term certificate rate. ****Term certificates will automatically renew at the current term certificate rate. Minimum required Term Certificate balance is $500. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal.
