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Saving Rates

Saving & Checking Rates

Wealth Builder Savings
Effective Date: Monday, February 27th, 2017
Investment Amount**APY*APR
$100-$9,999 1.00% 1.00%
$10,000-$99,999 .75% 1.00%-.78%
$100,000+ .25% .78%-.25%

Business Wealth Builder Account
Effective Date: Monday, February 27th, 2017
Minimum Investment**APY*APR
$1,000-$99,999 1.00% 1.00%
$100,000-$249,999 .75% 1.00%-.85%
$250,000+ .25% .85% - .25%

Regular Savings, Escrow, Club & Birdie Accounts
Effective Date: Monday, February 27th, 2017
Minimum Dollar AmountMaximum Dollar Amount**APY*APR
$100.00 $9,999.00 0.02% 0.02%
$10,000.00 $24,999.00 0.02% 0.02%
$25,000.00 $99,999.00 0.02% 0.02%
$100,000.00 & Up 0.02% 0.02%
*These rates are effective for the current month on Regular Savings, Escrow, Vacation, Young Adult, Birdie B Good and Christmas Club accounts. Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge.

Growth Savings Accounts
Effective Date: Monday, February 27th, 2017
Name**APY*APRNotes
I Growth savings 0.10% 0.10% $5,000 minimum balance.
II Growth Savings 0.20% 0.20% $25.000 minimum balance. Require open checking or credit card with FCU.
III Growth Savings 0.30% 0.30% $50,000 minimum balance. Requires open checking and credit card with FCU.
IV Growth Savings 0.40% 0.40% $100,000 minimum balance. Requires FCU checking, FCU credit card and appt. with FCU Investment or Insurance department.
Please contact us for more information or go to our Savings & Checking page. Each Growth Savings account stands on its own. The Growth Savings accounts are not tiered accounts and the rates do not change as balances change. Members must contact FCU and sign a new Truth-In-Savings Disclosure in order to change from one Growth Savings product to another. Growth Savings accounts may require additional services with FCU to qualify.

Systematic Savings Products
Effective Date: Monday, February 27th, 2017
Name**APY*APR
Systematic Savings 0.50% 0.50%
Systematic Traditional IRA 0.75% 0.75%
Systematic Roth IRA 0.75% 0.75%
Youth Systematic Savings (members 12 & younger) 0.50% 0.50%
All Systematic Savings, except for the Youth Systematic Savings, require a monthly minimum deposit of $25. Youth Systematic Savings requires a monthly minimum deposit of $10.
*Contact us for more information on our line of Systematic Savings products. Learn how a Systematic Savings can help even the most deficient saver start to build a savings.

Save To Win
Effective Date: Monday, February 27th, 2017
**APY*APRMinimum Dollar AmountTerm
1.01% 1.00% $25 to open. Can deposit at any time. Can not withdraw till 12 months after date of opening.
Don't gamble away your hard earned money, do Save To Win. All the cash you deposit into Save To Win earns interest and chances to win cash prizes up to $5,000.

Traditional IRA, Roth IRA & Coverdell ESA
Effective Date: Monday, February 27th, 2017
Investment Amount**APY*APR
$0 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $99,999 0.30% 0.30%
$100,000 & Up 0.40% 0.40%
INGS    
If you are looking for more IRA investment options, check out our Certificates of Deposit rates. IRAs can take advantage of these great rates also.

Health Savings Checking Account (HSA)
Effective Date: Monday, February 27th, 2017
Investment Amount**APY*APR
$0.01 - $999 0.50% 0.50%
$1,000 - $2,499 1.01% 1.00%
$2,500 - $9,999 1.01% 1.00%
$10,000 - up 1.01% 1.00%
Our Health Savings Account features a small set-up charge and a small monthly-service charge. HSA's are are designed for those members with high deductible health insurance plans. Contact our Business Department at (989)497-1600 for more information on our very attractive HSA program.

Interest Earning Personal Checking
Effective Date: Monday, February 27th, 2017
Name**APY*APRMinimum Balance
Kasasa Cash Checking 2.50% 2.47% If qualifications are met each monthly qualification cycle, balances up to $10,000 will earn 2.50%APY.
Qualifications include things you already do: e-statements, 15 posted debit card transactions, and ACH debit from Bill Pay or direct deposit.

Interest Earning Business Checking
Effective Date: Monday, February 27th, 2017
Name**APY*APRMinimum Balance
2 Star Plus Checking 0.05% 0.05% $250 minimum to earn interest.
3 Star Plus Checking 0.10% 0.10% $500 minimum to earn interest.
4 Star Plus Checking 0.15% 0.15% $1,000 minimum to earn interest
5 Star Plus Checking 0.20% 0.20% $20,000 minimum to earn interest.

Business Savings Rates
Effective Date: Monday, February 27th, 2017
Dividend Tiers**APY*APR
$5 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $99,999 0.15% 0.15%
$100,000 & Up 0.25% 0.25%
FCU offers special savings rates for our members that take advantage of our excellent business programs. Contact our business department for more information.

Money Market Accounts
Effective Date: Monday, February 27th, 2017
Balance**APY*APR
Money Market Insured Account
$1,000 - $9,999 0.30% 0.30%
$10,000 - $24,999 0.30% 0.30%
$25,000 - $99,999 0.55% 0.55%
$100,000 & Up 0.55% 0.55%
Mega Money Market Insured Account
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.15% 0.15%
$100,000 - $499,999 0.25% 0.25%
$500,000 - $999,999 0.25% 0.25%
$1,000,000 & Up 0.25% 0.25%
*Required minimum opening balance for both Money Market Accounts is the minimum required to earn interest. Limited to four withdrawals a month of $500 or more. All deposits must be over $100. APY = Annual Percentage Yield. Contact us for more information.

Certificate of Deposit (for Regular & IRA Investments)
Effective Date: Monday, February 27th, 2017
Term**APY*APR
$500 - $99,999
3 Month 0.10% 0.10%
6 Month 0.20% 0.20%
9 Month 0.35% 0.35%
12 Month 0.50% 0.50%
18 Month 0.55% 0.55%
2 Year 0.75% 0.75%
3 Year 0.95% 0.95%
4 Year 1.55% 1.54%
Enjoy the option to Bump your 60 month CD rate. Contact us for more information.
5 Year - BUMP CD 1.70% 1.69%
$100,000 - $999,999
3 Month 0.20% 0.20%
6 Month 0.90% 0.90%
9 Month 0.95% 0.95%
12 Month 1.10% 1.09%
18 Month 0.65% 0.65%
2 Year 0.85% 0.85%
3 Year 1.06% 1.05%
4 Year 1.65% 1.64%
Enjoy the option to Bump your 60 month CD rate. Contact us for more information.
5 Year - BUMP CD 1.81% 1.79%
*Require $500 minimum investment for a Certificate of Deposit under $100,000 and $100,000 for a CD over. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. APY = Annual Percentage Yield. Contact us for more information.

Plus Savings
Effective Date: Monday, February 27th, 2017
**APY*APRMinimum InvestmentMaximum Dollar Amount
.25% .25% $500.00 $9,999.00
.25% .25% $10,000.00 $24,999.00
.50% .50% $25,000.00 $99,999.00
.50% .50% $100,000.00 & Up

Kasasa Cash Checking
Effective Date: Monday, February 27th, 2017
**APYRateMaximum Dollar AmountDescription
2.50% 2.4718% $10,000.00 Balances over $10,000 earn 2.50%APY-.25%APY. Non-qualified accounts earn .01%APY
Qualifiying accounts are accounts that receive e-statemens, do a minimum of 15 debit card transactions and a minimum of one ACH debit/bill pay during the qualifiying cycle.

Kasasa Saver Savings
Effective Date: Monday, February 27th, 2017
**APY*APRMaximum Dollar AmountDescription
1.25%APY 1.2429% $100,000.00 Balances over $100,000 earn 1.25%APY-.70%APY. Non-qualifying accounts earn .01%APY
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH debit/bill pay during the qualifying cycle.
Members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too.

Featured CD Specials
Effective Date: Monday, February 27th, 2017
Name**APY*APRMinimum InvestmentDescription
21 Month CD 1.25% 1.24% $500.00 Good for funds already with FCU and new to FCU funds also.
37 Month CD 1.40% 1.39% $500.00 Good for new to FCU funds only.

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