CFCU Deposit Rates

Dividend Rate

Age Exempt

Minimum balance to earn dividends on above is $5. Dividends accrue daily and post monthly.


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Rates are subject to change without notice. Current as of

		APY	Dividend Rate

	Share Account	1.00%	1.00%

	Special Share Account	1.00%	1.00%

	Club Account	.50%	.50%

Minimum balance to earn dividends on above is $200. Dividends accrue daily and post monthly.

		APY	Dividend Rate
	Lagniappe Checking^SM (Requirements Met - Balances up to $25,000)	5.01%	4.90%

	When the requirements are met- earn the dividend rate above on balances up to $25,000. No minimum balance required. Dividends accrue daily and post monthly.

	Lagniappe Checking^SM (Requirements Met - Balances over $25,000)	1.00%	1.00%

	When the requirements are met- earn the dividend rate above on balances over $25,000. No minimum balance required. Dividends accrue daily and post monthly.

	Lagniappe Checking^SM (Requirements Not Met)	.15%	.15%

	When the requirements are not met- earn the dividend rate above. No minimum balance required. Dividends accrue daily and post monthly.

	Checking Plus^SM (Dividend Checking)	0.30%	0.30%

	Minimum balance to earn dividends on above is $1,000. Dividends accrue daily and post monthly.

	Basic Checking	0.15%	0.15%

Minimum balance to earn dividends on above is $500. Dividends accrue daily and post monthly.


	FLEX (Money Market Relationship)	APY	Dividend Rate

<$4,999		1.00%	1.00%

$5,000 - 24,999		1.20%	1.19%

$25,000 - 49,999		1.30%	1.29%

$50,000 - 99,999		1.45%	1.44%

	$100,000 and above	2.00%	1.98%

Minimum balance to earn dividends on above is $5. Dividends accrue daily and post monthly.

Certificate Accounts (Certificates 12 months or over can be opened as an IRA.)

APY

Dividend Rate

30 days

1.00%

91 days

2.25%

6 months (Dividends at Maturity)

3.00%

12 months (Dividends transfer to another account)

3.21%

12 months (Dividends compounded)

3.25%

3.21%

18 months (Dividends transfer to another account)

3.36%

18 months (Dividends compounded)

3.40%

3.36%

24 months (Dividends transfer to another account)

3.45%

24 months (Dividends compounded)

3.50%

3.45%

36 months (Dividends transfer to another account)

3.70%

36 months (Dividends compounded)

3.75%

3.70%

48 months (Dividends transfer to another account)

3.70%

48 months (Dividends compounded)

3.75%

3.70%

52 months (Dividends transfer to another account)

3.70%

52 months (Dividends compounded)

3.75%

3.70%

Minimum Balance to earn dividends on above is $1,000. Dividends accrue according to plan chosen.

60 months (Dividends transfer to another account)

3.70%

60 months (Dividends compounded)

3.75%

3.70%

Minimum Balance to earn dividends on above is $5,000. Dividends accrue according to plan chosen.


	Jumbo Certificate Accounts	APY	Dividend Rate

91 days		2.50%	2.50%

6 months (Dividends transfer to another account)		3.25%	3.25%

12 months (Dividends transfer to another account)		3.46%	3.46%

12 months (Dividends compounded)		3.51%	3.46%

18 months (Dividends transfer to another account)		3.61%	3.61%

18 months (Dividends compounded)		3.66%	3.61%

24 months (Dividends compounded)		3.75%	3.70%

36 months (Dividends compounded)		4.01%	3.95%

Minimum Balance to earn dividends on above is $100,000. Dividends accrue according to plan chosen.

Retirement Accounts (The below accounts are special IRA accounts. Any certificate 12 months or over can be opened as an IRA.)

APY

Dividend Rate

IRA Share (variable rate)

1.00%

IRA (fixed rate)

13 months

3.35%

3.31%

Other rates and minimum balances to earn dividends same as Certificate Accounts from 12 to 60 months.

Certificate Accounts subject to SUBSTANTIAL PENALTY for early withdrawal and early withdrawal may affect APY. If minimum balance in corresponding deposit account is not maintained, service charges may affect APY. Note: APY = Annual Percentage Yield. Dividends paid are based on rate frequency of compounding for a 365 day year. Dividend Rate and APY may change at management discretion and without notice.

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. This credit union is federally insured by National Credit Union Administration.