Savings Rates
Effective: June 1, 2019
| Tier | Minimum Balance | APR* | APY** | |
|---|---|---|---|---|
| Regular Shares, Holiday Club Payable Quarterly |
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| 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 | 0.15% | 0.15% | |
| Tier II | $10,000 - $99,999 | 0.30% | 0.30% | |
| Tier III | $100,000 - $249,999 | 0.40% | 0.40% | |
| Tier IV | $250,000 + | 0.50% | 0.50% | 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 | 1.55% / 1.56% | 1.60% / 1.61% | 1.65% / 1.66% | 1.70% / 1.71% |
| $10,000 | 1.60% / 1.61% | 1.65% / 1.66% | 1.70% / 1.71% | 1.75% / 1.76% |
| 12 Months | ||||
| $1,000 | 1.75% / 1.76% | 1.80% / 1.81% | 1.85% / 1.87% | 1.90% / 1.92% |
| $10,000 | 1.80% / 1.81% | 1.85% / 1.86% | 1.90% / 1.91% | 1.95% / 1.96% |
| 24 Months | ||||
| $1,000 | 2.10% / 2.12% | 2.15% / 2.17% | 2.20% / 2.22% | 2.25% / 2.27% |
| $10,000 | 2.15% / 2.17% | 2.20% / 2.22% | 2.25% / 2.27% | 2.30% / 2.32% |
| 36 Months | ||||
| $1,000 | 2.35% / 2.37% | 2.40% / 2.42% | 2.45% / 2.47% | 2.50% / 2.53% |
| $10,000 | 2.40% / 2.42% | 2.45% / 2.47% | 2.50% / 2.52% | 2.55% / 2.57% |
| 48 Months | ||||
| $1,000 | 2.55% / 2.58% | 2.60% / 2.63% | 2.65% / 2.68% | 2.70% / 2.73% |
| $10,000 | 2.60% / 2.63% | 2.65% / 2.68% | 2.70% / 2.73% | 2.75% / 2.78% |
| 60 Months | ||||
| $1,000 | 2.65% / 2.68% | 2.70% / 2.73% | 2.75% / 2.78% | 2.80% / 2.83% |
| $10,000 | 2.70% / 2.73% | 2.75% / 2.78% | 2.80% / 2.83% | 2.85% / 2.88% |
IRA Share Certificates¹
| Member Rewards Level+ / Min. Balance |
Standard APR* / APY** |
Silver APR* / APY** |
Gold APR* / APY** |
Platinum APR* / APY** |
|---|---|---|---|---|
| 12 Months | ||||
| $1,000 | 1.60% / 1.61% | 1.65% / 1.66% | 1.70% / 1.71% | 1.75% / 1.76% |
| 24 Months | ||||
| $1,000 | 1.80% / 1.81% | 1.85% / 1.86% | 1.90% / 1.91% | 1.95% / 1.96% |
| 36 Months | ||||
| $1,000 | 2.10% / 2.12% | 2.15% / 2.17% | 2.20% / 2.22% | 2.25% / 2.27% |
| 48 Months | ||||
| $1,000 | 2.40% / 2.42% | 2.45% / 2.47% | 2.50% / 2.53% | 2.55% / 2.57% |
| 60 Months | ||||
| $1,000 | 2.70% / 2.73% | 2.75% / 2.78% | 2.80% / 2.83% | 2.85% / 2.88% |
⁺Member Rewards Level is determined by combined shares and loan balances: Silver >$10k, Gold >$25k, Platinum >$100k
¹Penalty for early withdrawal may apply.
*APR = ANNUAL PERCENTAGE RATE. Rate Based on creditworthiness and term of loan.
**APY = ANNUAL PERCENTAGE YIELD. Rates are subject to change at any time and are not guaranteed.
**New money only; internal transfers from a CFCU deposit/loan account not eligible.
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.