Current Deposit Rates
| Type of Account | Minimum Daily Balance to Earn Declared Rate | APY* |
|---|---|---|
| Premium Checking§ | $1,500 | 0.15% |
| High Yield Checking^ | $0 | 3.00% |
§Dividends Compounded and Credited: Quarterly ^For High Yield Checking accounts, you may qualify for higher dividend rate and annual percentage yield if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements you must; a) make 15 debit card transactions totaling $500.00 that post and settle your account; and b) be enrolled to receive eStatements. The monthly qualification cycle is defined as the beginning of the month to the last day of the month. All debit card transactions must post and settle to your account during the monthly qualifications cycle to qualify for higher dividend rate and annual percentage yield. You will not receive dividends on any balance greater than $10,000.00 or if you do not meet the minimum qualification requirements. Rate subject to change after account opening. Dividends are paid monthly. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Member Care Center to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | ||
| Minimum Opening Balance | Minimum Daily Balance to Earn Declared Rate | APY* |
|---|---|---|
| $100.00 | $100.00 to $1,500.00 | 0.25% |
| $1,500.01 | $1,500.01 to $20,000.00 | 0.35% |
| $20,000.01 | $20,000.01 and above | 0.45% |
Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | ||
| Term | Minimum Opening Balance | Dividends Compounded/Credited | APY* | Earn More APY** |
|---|---|---|---|---|
| 18 Month† | $250.00 | Monthly | 4.10% | 4.35% |
Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. **The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | ||||
| Minimum Opening Balance | Minimum Daily Balance to Earn Declared Rate | APY* |
|---|---|---|
| $100.00 | $100.00 to $1,500.00 | 0.25% |
| $1,500.01 | $1,500.01 to $20,000.00 | 0.35% |
| $20,000.01 | $20,000.01 and above | 0.45% |
Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | ||
| Term | Dividends Compounded/Credited | APY* | Earn More APY** |
|---|---|---|---|
| Choose from Traditional IRA * Roth IRA * SEP IRA | |||
| $500 Minimum Opening Balance | |||
| 18 Month† IRA | Monthly | 4.10% | 4.35% |
| 18 Month† Roth IRA | Monthly | 4.10% | 4.35% |
| 18 Month† SEP IRA | Monthly | 4.10% | 4.35% |
| 60 Month† IRA | Monthly | 3.75% | 4.00% |
| 60 Month† Roth IRA | Monthly | 3.75% | 4.00% |
| 60 Month† SEP IRA | Monthly | 3.75% | 4.00% |
| $50,000 Minimum Opening Balance | |||
| 18 Month† IRA Mini-Jumbo | Monthly | 4.15% | 4.40% |
| 18 Month† Roth IRA Mini-Jumbo | Monthly | 4.15% | 4.40% |
| 18 Month† SEP IRA Mini-Jumbo | Monthly | 4.15% | 4.40% |
| 60 Month† IRA Mini-Jumbo | Monthly | 3.80% | 4.05% |
| 60 Month† Roth IRA Mini-Jumbo | Monthly | 3.80% | 4.05% |
| 60 Month† SEP IRA Mini-Jumbo | Monthly | 3.80% | 4.05% |
Dividends Compounded and Credited: Monthly. Dividends are paid from current income and available earnings, after required transfers to reserves, after the end of the dividend period. Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. *Fees: Refer to Service Fees. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. **The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews. Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | |||
| Minimum Opening Balance | Minimum Daily Balance to Earn Declared Rate | APY* | Earn More† |
|---|---|---|---|
| $1,500.00 | $1500.00 to $20,000.00 | 1.40% | 1.50% |
| $20,000.01 | $20,000.01 to $50,000.00 | 1.45% | 1.55% |
| $50,000.01 | $50,000.01 to $100,000.00 | 1.50% | 1.60% |
| $100,000.01 | $100,000.01 & Over | 1.65% | 1.75% |
Dividends Compounded and Credited: Monthly †Earn More Money Market = FedChoice Federal Credit Union checking account with Money Market - Money Market earns an extra .10% BONUS *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | |||
| Type of Account | Minimum Opening Balance | Minimum Daily Balance to Earn Declared Rate | APY* |
|---|---|---|---|
| Main Share Savings | $5.00 | $50.00 & Over | 0.20% |
| Special Savings Account | $0.00 | $50.00 & Over | 0.20% |
| Holiday Club† | $0.00 | $50.00 & Over | 0.20% |
| Furlough Savings | $0.00 | $50.00 & Over | 0.35% |
Dividends Compounded and Credited Quarterly. Minimum Balance For Dividends: $50.00 Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement. †Holiday Club accounts mature October 31st of each year. Funds will transfer to the account that you have specified. *Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | |||
| Term | APY* | Earn More APY** |
|---|---|---|
| $500 - $49,999 | ||
| 6 Months Regular | 4.00% | 4.25% |
| 12 Months Regular | 4.50% | 4.75% |
| 18 Months Regular | 4.10% | 4.35% |
| 24 Months Regular | 4.35% | 4.60% |
| 36 Months Regular | 4.15% | 4.40% |
| 48 Months Regular | 3.90% | 4.15% |
| 60 Months Regular | 3.75% | 4.00% |
| $50,000 and above | ||
| 6 Months Mini-Jumbo | 4.05% | 4.30% |
| 12 Months Mini-Jumbo | 4.55% | 4.80% |
| 18 Months Mini-Jumbo | 4.15% | 4.40% |
| 24 Months Mini-Jumbo | 4.40% | 4.65% |
| 36 Months Mini-Jumbo | 4.20% | 4.45% |
| 48 Months Mini-Jumbo | 3.90% | 4.15% |
| 60 Months Mini-Jumbo | 3.80% | 4.05% |
| Special Offers | ||
| 15 Month Share Certificate^ ($500-$250,000) | 5.15% | n/a |
Term Certificate accounts may be subject to penalties for early withdrawal. *Rates quoted as Annual Percentage Yield (APY). Any APY provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. **The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews. ^ Not available for the Earn More rate even if the account has an associated checking account. Limited to two per member. At the time of renewal, if the value is $49,999.99 or under, the certificate will renew into a 12 month Share Certificate and by subject to the rate available at that time. If the value is $50,000.00 or more, it will renew into a 12 month Mini-Jumbo Share Certificate and be subject to the rate available at that time. In the event that you qualify for Earn More at the time of renewal, it will be added. FedChoice Federal Credit Union reserves the right to discontinue this offer without further notice to you. Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation. | ||