Money Market Rates
Money Market
Account can only be funded with money not currently held at CF Fire Credit Union.
| Minimum Deposit/Balance | APY* | Dividend |
|---|---|---|
| $0 | 2.00% | 1.98% |
Rates effective as of 11/1/2024 and are subject to change at any time without notice
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for the full 365 days. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with CF Fire Credit Union.
All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors
Money Market Rates
Money Market
| Minimum Deposit/Balance | APY* | Dividend |
|---|---|---|
| $0 | 2.00% | 1.98% |
Rates effective as of 11/1/2024 and are subject to change at any time without notice
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for the full 365 days. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with CF Fire Credit Union.
All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors
Checking Account Rates*
Checking Account
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.00% | 0.00% |
*Rates effective as of 11/14/23 and are subject to change at any time.
APY= Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credit monthly. This schedule is incorporated as part of your account agreement with CF Fire Credit Union.
Minimum balance requirements apply to average balance (amount of principle in account each day). All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
Checking Account Rates*
Checking Account
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.00% | 0.00% |
*Rates effective as of 11/14/23 and are subject to change at any time.
APY= Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credit monthly. This schedule is incorporated as part of your account agreement with CF Fire Credit Union.
Minimum balance requirements apply to average balance (amount of principle in account each day). All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
Term Certificate Rates
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.5% | 0.50% |
5 Month Promotional Offer
Rate applies only to accounts funded with money not currently held at CF Fire Credit Union.
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 4.00% | 3.92% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 1.00% | 1.00% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.00% | 1.98% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.20% | 0.20% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.50% | 2.47% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.75% | 2.71% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 3.00% | 2.96% |
Rates effective as of 11/8/2024. Rates are subject to change at any time.
Term Certificates have a required minimum deposit of $250.
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate for Term Certificates is fixed for the length of the term.
COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.
DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be:
If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.
If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.
1 If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.
Term Certificate Rates
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.5% | 0.50% |
5 Month Promotional Offer
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 4.00% | 3.92% |
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 1.00% | 1.00% |
1 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.00% | 1.98% |
18-Month Bump Up1
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.20% | 0.20% |
2 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.50% | 2.47% |
3 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.75% | 2.71% |
5 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 3.00% | 2.96% |
Rates effective as of 11/8/2024. Rates are subject to change at any time.
Term Certificates have a required minimum deposit of $250.
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate for Term Certificates is fixed for the length of the term.
COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.
DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be:
If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.
If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.
1 If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.
Jumbo Term Certificate Rates
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 0.5% | 0.50% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 1.00% | 1.00% |
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 2.00% | 1.98% |
Rates effective as of 11/1/2024. Rates are subject to change at any time.
Jumbo Term Certificates have a required minimum deposit of $100,000
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Unless otherwise paid, excluding IRAs, dividends will be credited to your account and compounded every month.
COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.
DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be:
If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.
If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.
Jumbo Term Certificate Rates
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 0.5% | 0.50% |
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 1.00% | 1.00% |
1 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 2.00% | 1.98% |
Rates effective as of 11/1/2024. Rates are subject to change at any time.
Jumbo Term Certificates have a required minimum deposit of $100,000
*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Unless otherwise paid, excluding IRAs, dividends will be credited to your account and compounded every month.
COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.
DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be:
If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.
If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.
Fixed IRA Rate Certificates*
5 Month Promotional Offer
Rate applies only to accounts funded with money not currently held at CF Fire Credit Union.
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 4.00% | 3.92% |
1 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.00% | 1.98% |
18 Month Bump Up
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.20% | 0.20% |
2 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.50% | 2.47% |
3 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.75% | 2.71% |
5 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 3.00% | 2.96% |
*Rates effective as of 11/8/2024. Listed rates are subject to change at any time.
IRA Term Certificates have a required minimum deposit of $100.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate on term certificates are fixed for the length of the term.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. An additional tax penalty from the IRS may apply for early withdrawal. Please consult a tax professional about your particular situation.
If you have any questions or need current rate information on your accounts, please call (704) 228-1872 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
1If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.
Fixed IRA Rate Certificates*
5 Month Promotional Offer
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 4.00% | 3.92% |
1 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.00% | 1.98% |
18 Month Bump Up
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.20% | 0.20% |
2 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.50% | 2.47% |
3 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 2.75% | 2.71% |
5 Year
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 3.00% | 2.96% |
*Rates effective as of 11/8/2024. Listed rates are subject to change at any time.
IRA Term Certificates have a required minimum deposit of $100.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate on term certificates are fixed for the length of the term.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. An additional tax penalty from the IRS may apply for early withdrawal. Please consult a tax professional about your particular situation.
If you have any questions or need current rate information on your accounts, please call (704) 228-1872 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
1If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.
Variable IRA Rate Certificates*
60 Month
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.09% | 0.09% |
*Rates effective 11/1/2024 and are subject to change at any time.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month.
IRA Variable Term Certificates have a required minimum deposit of $100. Variable rate products may reflect a change in the interest rate after the account is opened.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Additional tax penalties from the IRS may apply for early withdrawal from your IRA. Consult a tax professional regarding your situation.
If you have any questions or need current rate information on your accounts, please call (704) 228-1872 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
Variable IRA Rate Certificates*
60 Month
| Minimum Deposit Required | APY* | Dividend |
|---|---|---|
| $100 | 0.09% | 0.09% |
*Rates effective 11/1/2024 and are subject to change at any time.
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month.
IRA Variable Term Certificates have a required minimum deposit of $100. Variable rate products may reflect a change in the interest rate after the account is opened.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Additional tax penalties from the IRS may apply for early withdrawal from your IRA. Consult a tax professional regarding your situation.
If you have any questions or need current rate information on your accounts, please call (704) 228-1872 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
Savings Account Rates*
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.02% | 0.02% |
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
*Rates effective as of 7/27/2022.
APY= Annual Percentage Yield. Rates subject to change at anytime without notice. This means that the dividend rate and annual percentage yield may change any time as determined by the Board of Directors. A minimum positive balance of $0.01 is required for dividends to be earned.
All savings rates are variable, so the interest rate may change after the account is opened.
This rate schedule states rates applicable to specified accounts. Dividends are credited monthly, expect in the instance of the Holiday Savings. For Holiday Savings, dividends will be credited at the time of distribution of funds on November 1st (dividends require Holiday Savings deposits to remain in the account until November 1st). The dividend period varies depending on when the account is opened. This schedule is incorporated as part of your account agreement with CF Fire Credit Union. Fees or other conditions could reduce earnings on any of the listed accounts.
Savings Account Rates*
Health Savings Account
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
Holiday Savings
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.02% | 0.02% |
Educational Savings
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
IRA Savings
| Minimum Amount/Minimum Balance | APY* | Dividend |
|---|---|---|
| $0 | 0.05% | 0.05% |
*Rates effective as of 7/27/2022.
APY= Annual Percentage Yield. Rates subject to change at anytime without notice. This means that the dividend rate and annual percentage yield may change any time as determined by the Board of Directors. A minimum positive balance of $0.01 is required for dividends to be earned.
All savings rates are variable, so the interest rate may change after the account is opened.
This rate schedule states rates applicable to specified accounts. Dividends are credited monthly, expect in the instance of the Holiday Savings. For Holiday Savings, dividends will be credited at the time of distribution of funds on November 1st (dividends require Holiday Savings deposits to remain in the account until November 1st). The dividend period varies depending on when the account is opened. This schedule is incorporated as part of your account agreement with CF Fire Credit Union. Fees or other conditions could reduce earnings on any of the listed accounts.
Tiered Savings Rates*
| APY* | Dividend |
|---|---|
| 0.02% | 0.02% |
| APY* | Dividend |
|---|---|
| 0.02% | 0.02% |
| APY* | Dividend |
|---|---|
| 0.03% | 0.03% |
| APY* | Dividend |
|---|---|
| 0.05% | 0.05% |
*Rates effective as of 11/14/2023 and are subject to change at any time without notice
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for the full 365 days. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with CF Fire Credit Union. A minimum positive balance of $0.01 is required for dividends to be earned, which are calculated at a specified rate over a given period.
All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors, and the interest rate may change after your account is opened.
Tiered Savings Rates*
$0
| APY* | Dividend |
|---|---|
| 0.02% | 0.02% |
$10,000
| APY* | Dividend |
|---|---|
| 0.02% | 0.02% |
$50,000
| APY* | Dividend |
|---|---|
| 0.03% | 0.03% |
$100,000
| APY* | Dividend |
|---|---|
| 0.05% | 0.05% |
*Rates effective as of 11/14/2023 and are subject to change at any time without notice
APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for the full 365 days. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with CF Fire Credit Union. A minimum positive balance of $0.01 is required for dividends to be earned, which are calculated at a specified rate over a given period.
All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors, and the interest rate may change after your account is opened.