All Certificate rates are available for Regular investments and Individual Retirement Accounts, with the exception of the Smart30. Penalty for early withdrawl. Federally insured by NCUA.
Minimum deposit $500.
Smart30 Certificate
2.50%
2.48%
Additional deposits can be made to the Smart30 during the 30-month term - even through direct deposit. One-time penalty-free withdrawal available. A 6-month waiting period is required to reopen Smart30 if it is closed before the maturity date. Maximum deposit of $15,000. One Smart30 per member. Minimum deposit $50. Not available for IRAs.
Elite5 Certificate
2.80%
2.77%
Additional deposits can be made to the Elite5 during the 60-month term - even through direct deposit. You also have the One-Up option with the Elite5. During the term of your Elite5, you can increase your rate to match the current rate. Maximum deposit of $25,000. One Elite5 per member. Minimum deposit $100. Not available for IRAs or HSAs.
*Annual Percentage Yield is accurate as of April 1, 2010
Savings Accounts from Cinfed
APY*
Dividend Rate
Super Share**
$50,000 and above
0.90%
0.90%
$25,000 - $49,999
0.65%
0.65%
Below $25,000
0.40%
0.40%
Main Share
0.15%
0.15%
Christmas Club
0.15%
0.15%
Go Account
0.15%
0.15%
IRA Passbook
$35,000 and above
1.00%
1.00%
$15,000 - $34,999
0.75%
0.75%
Below $15,000
0.50%
0.50%
Health Savings Accounts (HSA)
$35,000 and above
1.20%
1.19%
$15,000 - $34,999
0.90%
0.90%
Below $15,000
0.60%
0.60%
** You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
*Annual Percentage Yield may change after account is opened. APY is accurate as of November 1, 2009.
Federally insured by NCUA. Additional share insurance provided by Cinfed Credit Union through the ESI Corporation.
