Rate Bonuses are available for Community Heroes on certain Savings products. Speak to a Financial Services Representative to see if you qualify.
Dividend Checking
Dividend Checking
$10 monthly fee if avg. daily balance falls below $1,000
| Avg. Daily Balance | Rate | APY* |
| $0 - $999.99 | 0.00% | 0.00% |
| $1,000 and up | 0.05% | 0.05% |
Share and IRA Share Certificates
Share and IRA Share Certificates
(Minimum to open $500)
| Term | Rate | APY* |
| 6 Month | 0.35% | 0.35% |
| 12 Month | 0.40% | 0.40% |
| 18 Month | 0.40% | 0.40% |
| 24 Month | 0.45% | 0.45% |
| 30 Month | 0.50% | 0.50% |
| 36 Month | 0.55% | 0.55% |
| 48 Month | 0.60% | 0.60% |
| 60 Month | 0.70% | 0.70% |
Super Share and IRA Certificates
Super Share & IRA Certificates
(Minimum to open: $50,000)
| Term | Rate | APY* |
| 6 Month | NA | NA |
| 12 Month | 0.40% | 0.40% |
| 18 Month | 0.40% | 0.40% |
| 24 Month | 0.45% | 0.45% |
| 30 Month | 0.50% | 0.50% |
| 36 Month | 0.55% | 0.55% |
| 48 Month | 0.60% | 0.60% |
| 60 Month | 0.70% | 0.70% |
Lucky Savers Share Certificate
Lucky Savers Share Certificate
(Minimum to open: $25 Maximum to deposit: $10,000)
| Term | Rate | APY* |
| 12 months | 0.40% | 0.40% |
Lucky Savers Share Certificate Disclosure
Share Savings Account ( incl. Holiday, Vacation and Special Shares)
Share Savings Account
| Avg. Daily Balance | Rate | APY* |
| $0 - $99.99 | 0.00% | 0.00% |
| $100 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 and up | 0.10% | 0.10% |
| Avg. Daily Balance | Rate | APY* |
Money Market Account
Money Market Account
Withdraw up to 6 (six) times per month
| Term | Rate | APY* |
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500 - $9,999.99 | 0.10% | 0.10% |
| $10,000 - $49,999.99 | 0.15% | 0.15% |
| $50,000 - $99,999.99 | 0.20% | 0.20% |
| $100,000 and up | 0.20% | 0.20% |
Youth Savings (up to age 17)
Youth Savings
| Avg. Daily Balance | Rate | APY* |
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.20% | 0.20% |
| $10,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 and up | 0.20% | 0.20% |
Youth Share Certificate (up to age 17)
Youth Share Certificate
Minimum to open: $100 – maximum yearly deposit $30,000)
| Term | Rate | APY* |
| 12 Months | 0.65% | 0.65% |
IRA Share Account
IRA Share Account
| Avg. Daily Balance | Rate | APY* |
| $0.00 - $9,999.99 | 0.10% | 0.10% |
| $10,000 - $49,999.99 | 0.15% | 0.15% |
| $50,000 - $99,999.99 | 0.20% | 0.20% |
| $150,000 and up | 0.20% | 0.20% |
* APY = Annual Percentage Yield. Dividends are compounded and posted monthly. Fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Share Certificates is $500. Rates are variable and are subject to change without notice. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates, including IRA certificates. Minimum to open and obtain APY for these Share Certificates is $500. The minimum to open a Youth Share Certificate $100. Fees may reduce earnings. Share certificates automatically renew at the time of maturity. CRFCU will provide 30 days notice prior to the maturity date. If you do not contact CRFCU on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. For certificates with maturities of greater than 90 days, you will have a 7-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please refer to your Terms and Disclosures for more detailed savings information. Annual Percentage Yields shown are effective as of 07/20/2020,