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Savings Rates

Rates current as of and subject to change. Certain conditions and restrictions may apply.

FREE CHECKING
Account TypeAPR*APY**
$5 and above 0.05% 0.05%
PRIMARY SHARES
Account TypeAPR*APY**
$100 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 & above 0.10% 0.10%
REGULAR SHARES
Account TypeAPR*APY**
$100 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 & above 0.10% 0.10%
HOLIDAY ACCOUNTS
Account TypeAPR*APY**
$100 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 & above 0.10% 0.10%
MONEY MARKET ACCOUNTS
Account TypeAPR*APY**
$2,500 - $24,999 0.30% 0.30%
$25,000 - $49,999 0.35% 0.35%
$50,000 & above 0.40% 0.40%
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
Account TypeAPR*APY**
IRAs (Roth, Traditional, Education) 0.40% 0.40%
TERM CERTIFICATES (CDs)
Account TypeAPR*APY**

6 Months

0.750%

0.75%

12 Months

1.500%

1.50%

18 Months

1.750%

1.76%

24 Months

2.650%

2.68%

36 Months

2.850%

2.88%

48 Months

3.000%

3.04%

60 Months

3.150%

3.19%

Minimum required Term Certificate balance is $1,000. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal.

FLEX TERM CERTIFICATES (CDs)
Account TypeMinimum to OpenRequired BalanceAPR*APY**

24 Months

$5,000 $2,500+

2.150%

2.170%

36 Months

$5,000 $2,500+

2.350%

2.375%

48 Months

$5,000 $2,500+

2.500%

2.530%

60 Months

$5,000 $2,500+

2.650%

2.684%

Please note that IRA shares are not eligible for the Flex CD product.

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*APR = Annual Percentage Rate. **APY= Annual Percentage Yield. CalAgCU 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.

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