Regular Shares
| Account Type | APR* | APY** |
|---|---|---|
| $100 - $4,999 | 0.050% | 0.050% |
| $5,000 - $9,999 | 0.050% | 0.050% |
| $10,000 & above | 0.050% | 0.050% |
Holiday accounts
| Account Type | APR* | APY** |
|---|---|---|
| $100 - $4,999 | 0.050% | 0.050% |
| $5,000 - $9,999 | 0.050% | 0.050% |
| $10,000 & above | 0.050% | 0.050% |
Money Market Accounts
| Account Type | APR* | APY** |
|---|---|---|
| $2,500 - $49,999 | 0.100% | 0.100% |
| $50,000 & above | 0.150% | 0.150% |
Individual Retirement Accounts (IRAs)
| Account Type | APR* | APY** |
|---|---|---|
| IRAs (Roth, Traditional, Education) | 0.300% | 0.300% |
PROMOTIONAL TERM SHARE CERTIFICATES
| Account Type | Required Balance | APR* | APY** |
|---|---|---|---|
| 3 Months (with No Direct Deposit) | $1,000+ | 3.93% | 4.00% |
| 3 Months (with Direct Deposit) | $1,000+ | 4.17% | 4.25% |
Minimum required Promotional Term Share Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal. IRA Shares do not qualify.
TERM SHARE & IRA CERTIFICATES
| Account Type | Required Balance | APR* | APY** |
|---|---|---|---|
| 6 Months | $1,000 - $49,999.99 | 2.86% | 2.90% |
| 6 Months | $50,000 - $99,999.99 | 2.91% | 2.95% |
| 6 Months | $100,000+ | 2.96% | 3.00% |
| 12 Months | $1,000 - $49,999.99 | 2.86% | 2.90% |
| 12 Months | $50,000 - $99,999.99 | 2.91% | 2.95% |
| 12 Months | $100,000+ | 2.96% | 3.00% |
| 18 Months | $1,000 - $49,999.99 | 2.86% | 2.90% |
| 18 Months | $50,000 - $99,999.99 | 2.91% | 2.95% |
| 18 Months | $100,000+ | 2.96% | 3.00% |
| 24 Months | $1,000 - $49,999.99 | 2.91% | 2.95% |
| 24 Months | $50,000 - $99,999.99 | 2.96% | 3.00% |
| 24 Months | $100,000+ | 3.01% | 3.05% |
| 36 Months | $1,000 - $49,999.99 | 2.96% | 3.00% |
| 36 Months | $50,000 - $99,999.99 | 3.01% | 3.05% |
| 36 Months | $100,000+ | 3.06% | 3.10% |
| 48 Months | $1,000 - $49,999.99 | 3.01% | 3.05% |
| 48 Months | $50,000 - $99,999.99 | 3.06% | 3.10% |
| 48 Months | $100,000+ | 3.11% | 3.15% |
| 60 Months | $1,000 - $49,999.99 | 3.06% | 3.10% |
| 60 Months | $50,000 - $99,999.99 | 3.11% | 3.15% |
| 60 Months | $100,000+ | 3.16% | 3.20% |
Minimum required Term Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal.
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*APR = Annual Percentage Rate. **APY= Annual Percentage Yield. CCCCU computes the balance in our share accounts to dividends you will be paid by using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. We calculate the average daily balance by adding the account for each day of the period and dividing that figure by the number of days in the period. ***Term certificates will automatically renew at the current term certificate rate.
