Share Certificate Rates

The dividend rate(s) and annual percentage yield(s) (APY) as of the last dividend declaration were:

Share Certificate Special**

(Minimum to open $500)

Bonus rate of .10% with a deposit of $50,000 or more. No other bonuses are allowed. 

Share and IRA Share Certificates

(Minimum to open $500)

TermRateAPY*
6 Month0.65%0.65%
12 Month0.85%0.85%
15 Month0.95%0.95%
17 Month1.17%1.18%
18 Month1.05%1.06%
21 Month1.10%1.11%
24 Month1.20%1.21%
30 Month1.35%1.36%
36 Month1.50%1.51%
39 Month1.55%1.56%
48 Month1.75%1.77%
60 Month2.00%2.02%

Super Share & IRA Certificates

(Minimum to open: $50,000)

Lucky Savers Share Certificate

(Minimum to open: $25  Maximum to deposit: $7500)

Share Savings Account 

Money Market Account 

Youth Savings 

Youth Share Certificate

(Minimum to open: $100)

Ira Share Account 

Dividend Checking

($10 fee if avg. daily balance falls below $1,000)

* APY = Annual Percentage Yield.A PY is accurate as of today’s date. 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: A Lucky Savers Share Certificate is $25 with a maximum deposit of $7500. 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 10-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 11/1/17.

Special 7/11 Share Certificate Disclosure

 **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.Offer applies to new and existing CRFCU members who open a 7 or 11 Month Certificate with a minimum of $500. Current members may also roll in existing CRFCU funds in addition to New Money. Share Certificates automatically renew at the time of the maturity. CRFCU will provide 30 day notice prior to the maturity date. If you do not contact CRFCU on or before maturity date, the account will renew at the current rate at time of renewal. A 7 month will roll to 6 month; an 11 month will roll to 12 month.  You will have a 10 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 information. Annual Percentage Yields shown are effective 11/1/2017.