Savings Rates

Effective: November 1, 2024

 
Tier Minimum Balance APR* APY**
Regular Shares, Holiday Club
Payable Quarterly
Tier I $5 - $4,999.00 0.10% 0.10%
Tier II $5,000 + 0.15% 0.15%
IRA Savings (Traditional, Roth, Education)
Payable Quarterly
Tier I $5 - $4,999.00 0.10% 0.10%
Tier II $5,000 + 0.15% 0.15%
Money Market Checking
Payable Monthly
Tier I $5,000 - $9,999 0.70% 0.70%
Tier II $10,000 - $99,999 0.95% 0.95%
Tier III $100,000 - $249,999 1.20% 1.20%
Tier IV $250,000 + 1.80% 1.80%
Chaffey PLUS Checking
Payable Quarterly
Gold $5 + 0.03% 0.03%
Platinum $5 + 0.03% 0.03%

Share Certificates¹
 
Member Rewards Level+
/ Min. Balance		 Standard
APR* / APY**		 Silver
APR* / APY**		 Gold
APR* / APY**		 Platinum
APR* / APY**
6 Months
$1,000 3.35% / 3.40% 3.40% / 3.45% 3.45% / 3.50% 3.50% / 3.55%
$10,000 3.40% / 3.45% 3.45% / 3.50% 3.50% / 3.55% 3.55% / 3.60%
12 Months
$1,000 3.65% / 3.70% 3.70% / 3.75% 3.75% / 3.80% 3.80% / 3.86%
$10,000 3.70% / 3.75% 3.75% / 3.80% 3.80% / 3.85% 3.85% / 3.91%
24 Months
$1,000 3.50% / 3.55% 3.55% / 3.60% 3.60% / 3.65% 3.65% / 3.70%
$10,000 3.55% / 3.60% 3.60% / 3.65% 3.65% / 3.70% 3.70% / 3.75%
36 Months
$1,000 3.60% / 3.65% 3.65% / 3.70% 3.70% / 3.75% 3.75% / 3.81%
$10,000 3.65% / 3.70% 3.70% / 3.75% 3.75% / 3.80% 3.80% / 3.86%
48 Months
$1,000 3.85% / 3.91% 3.90% / 3.96% 3.95% / 4.01% 4.00% / 4.06%
$10,000 3.90% / 3.96% 3.95% / 4.01% 4.00% / 4.06% 4.05% / 4.11%
60 Months
$1,000 3.95% / 4.01% 4.00% / 4.06% 4.05% / 4.11% 4.10% / 4.17%
$10,000 4.00% / 4.06% 4.05% / 4.11% 4.10% / 4.16% 4.15% / 4.22%

IRA Share Certificates¹
 
2
Member Rewards Level+
/ Min. Balance		 Standard
APR* / APY**		 Silver
APR* / APY**		 Gold
APR* / APY**		 Platinum
APR* / APY**
12 Months
$1,000 3.65% / 3.70% 3.70% / 3.75% 3.75% / 3.80% 3.80% / 3.86%
24 Months
$1,000 3.50% / 3.55% 3.55% / 3.60% 3.60% / 3.65% 3.65% / 3.70%
36 Months
$1,000 3.60% / 3.65% 3.65% / 3.70% 3.70% / 3.75% 3.75% / 3.81%
48 Months
$1,000 3.85% / 3.91% 3.90% / 3.96% 3.95% / 4.01% 4.00% / 4.06%
60 Months
$1,000 3.95% / 4.01% 4.00% / 4.06% 4.05% / 4.11% 4.10% / 4.17%

⁺Member Rewards Level is determined by combined shares and loan balances: Silver >$10k, Gold >$25k, Platinum >$100k
¹Penalty for early withdrawal may apply.

*One-Time rate bump up option for all share certificate terms excluding 6 month certificates. Rates are subject to change at any time and are not guaranteed. Certificates eligible for the one-time bump up option may not bump to a promotional rate.
*APR = ANNUAL PERCENTAGE RATE.
**APY = ANNUAL PERCENTAGE YIELD.

Your savings are insured to at least $250,000 by NCUA. Additional coverage of $250,000 is provided by American Share Insurance, Inc. IRA accounts insured separately to a maximum of $500,000.

NOTE: Dividends declared and paid quarterly, except Money Market Checking, and are paid from available earnings. Rates are subject to change as determined by the Board of Directors. Refer to a Truth-in-Savings disclosure available at each office or here on the website for specific terms.