Savings Rates

SAVINGS RATES (RATES EFFECTIVE AS OF 8/14/2018)

*APY=Annual Percentage Yield 

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TERM RATE APY*
Regular Share Certificates**
6 Months 0.90% 0.90%
12 Months
1.60%
1.61%
15 Months 1 SPECIAL! 2.40% 2.43%
18 Months
1.80%
1.82%
24 Months
2.00%
2.02%
25 Months 2 SPECIAL! 2.60% 2.63%
30 Months 2.10% 2.12%
36 Months
2.20%
2.22%
48 Months
2.50% 2.53%
60 Months
2.70%
2.74%
65 Months 3 SPECIAL! 3.00% 3.04%



Jumbo Share Certificates*** NEW! $100,000 Minimum
12 Month Jumbo Certificate 1.70% 1.71%
18 Month Jumbo Certificate 1.90% 1.92%
24 Month Jumbo Certificate 2.10% 2.12%
36 Month Jumbo Certificate 2.30% 2.33%
48 Month Jumbo Certificate 2.60% 2.63%
60 Month Jumbo Certificate 2.80% 2.84%



IRA Accounts**
Passbook 0.50% 0.50%
12 Mo 1.60% 1.61%
18 Mo 1.80% 1.82%
24 Mo 2.00% 2.02%
30 Mo 2.10% 2.12%
36 Mo 2.20% 2.22%
48 Mo 2.50% 2.53%
60 Mo 2.70% 2.74%



Ultimate Savings**
<$1,000 0.20% 0.20%
>$1,000 0.30% 0.30%



Money Market Checking**
Minimum $25.00-$1,000 0.20% 0.20%
Minimum $1,000-$9,999.99 0.40% 0.40%
Minimum $10,000-$24,999.99 0.50% 0.50%
Minimum $25,000-$99,999.99 0.60% 0.60%
Minimum $100,000+ 0.70% 0.70%



Regular Share Savings** 0.20% 0.20%
Christmas Club** 0.25% 0.25%




*APY=Annual Percentage Yield. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A penalty may be imposed for withdrawals before maturity. Membership eligibility required. Rates subject to change daily. Rates shown for Passbook IRA Accounts and Share Deposit Accounts are the last declared rates and should not be construed as current offerings.

**Some accounts have minimum opening deposit requirements, minimum balances to receive the posted rate, or early withdrawal penalties. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 for a Share Certificate ($500 for a minor) may be subject to penalty and will reduce the stated APY.

***Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY.


1. 15-Month Special: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate effective 7/09/2018 and subject to change. Offer not available for IRA Certificates. At the end of the term, the 15 month Share Certificate will auto-renew as a 12-month Share Certificate.

2. 25-Month Special: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate effective as of 7/09/2018 and subject to change. Offer not available for IRA Certificates. At the end of the term, the 25 month Share Certificate will auto-renew as a 24-month Share Certificate.

3. 65-Month Special: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate effective as of 7/09/2018 and subject to change. Offer not available for IRA Certificates. At the end of the term, the 65 month Share Certificate will auto-renew as a 60-month Share Certificate.

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