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Rates & Fees
| Interest Rate | 4.30% |
| APY | 4.37% |
| Minimum Daily Balance Required to Earn APY | $5,000 |
APY = Annual Percentage Yield.
A penalty may be imposed for early withdrawal.
Effective 02/08/2023.
Please enter your zip code to see current rates in your area.
WESTERN REGION RATES EFFECTIVE : 05/26/2023
DEPOSIT ACCOUNTS
| Product | Interest Rate | *APY | Min Daily Bal Req To Earn *APY | Min Bal Req To Open |
| Classic Spend1 | 0.25% | 0.25% | $5,000.00 | $25.00 |
| 0.15% | 0.15% | $0.00-$4,999.99 | $25.00 | |
| HSA Spend1 | 0.40% | 0.40% | $0.00 | $0.00 |
| Excellence Money Market1 | 0.30% | 0.30% | $250,000.00 | $10,000.00 |
| 0.25% | 0.25% | $100,000.00-$249,999.99 | $10,000.00 | |
| 0.15% | 0.15% | $50,000.00-$99,999.99 | $10,000.00 | |
| 0.03% | 0.03% | $0.00-$49,999.99 | $10,000.00 | |
| Freedom Advantage Money Market1 | 0.60% | 0.60% | $500,000.00 | $500.00 |
| 0.50% | 0.50% | $250,000.00-$499,999.99 | $500.00 | |
| 0.40% | 0.40% | $100,000.00-$249,999.99 | $500.00 | |
| 0.35% | 0.35% | $25,000.00-$99,999.99 | $500.00 | |
| 0.25% | 0.25% | $0.00-$24,999.99 | $500.00 | |
| MORE Money Market1,2 | 1.25% | 1.26% | $0.00-$24,999.99 | $500.00 |
| 1.75% | 1.76% | $25,000.00-$99,999.99 | $500.00 | |
| 2.01% | 2.03% | $100,000-$249,999 | $500.00 | |
| 2.51% | 2.54% | $250,000.00-$499,999.99 | $500.00 | |
| 3.01% | 3.05% | $500,000 | $500.00 | |
| Senior Money Market Savings1 | 2.50% | 2.52% | $100,000.00 | $500.00 |
| 0.55% | 0.55% | $25,000.00-$99,999.99 | $500.00 | |
| 0.35% | 0.35% | $0.00-$24,999.99 | $500.00 | |
| Beyond Save1,3 | 0.10% | 0.25%-0.70% | over $25,000.00 | $25.00 |
| 0.50% | 0.70%-1.50% | between $5,000.00-$24,999.99 | $25.00 | |
| 1.49% | 1.50% | up to $4,999.99 | $25.00 | |
| Beyond Save Extra1,4 | 0.25% | 0.25% | $0.00 | $25.00 |
| Classic Save1 | 0.25% | 0.25% | $10,000.00 | $25.00 |
| 0.15% | 0.15% | $0.00-$9,999.99 | $25.00 | |
| IRA Save1 | 0.25% | 0.25% | $200.00 | $200.00 |
CERTIFICATES OF DEPOSIT
All Certificates of Deposit are also offered as IRA accounts
| Term | Interest Rate | *APY | Minimum Daily Balance to Earn APY |
| 6 Month5 | 0.40% | 0.40% | $1,000.00 |
| 9 Month Special5 | 4.68% | 4.71% | $5,000.00 |
| 12 Month5 | 0.50% | 0.50% | $1,000.00 |
| 17 Month Special5 | 4.32% | 4.39% | $5,000.00 |
| 18 Month5 | 0.55% | 0.55% | $1,000.00 |
| 24 Month5 | 0.60% | 0.60% | $1,000.00 |
| 36 Month5 | 0.70% | 0.70% | $1,000.00 |
| 48 Month5 | 0.75% | 0.75% | $1,000.00 |
| 60 Month5 | 1.00% | 1.00% | $1,000.00 |
*APY = Annual Percentage Yield.
1 The interest rate and annual percentage yield may change without notice. Fees may reduce the earnings on your account.
2 This account requires one of the following: (1) personal demand deposit account, or (2) primary operating business account with CCFBank
3 The APY for each tier depends on the balance in the account. To qualify for this account, you must maintain a Beyond Spend account, enroll in Online Banking, and receive e-statements. If you do not maintain your Beyond Spend account and enroll in e-Statements within two (2) statement cycles, your account will be converted to a Classic Save account. If your Online Banking user becomes inactive, e-Statements will be terminated, you will begin receiving paper statements, and your account will be converted to a Classic Save account. Online Banking users become inactive after 6 months of no login activity. One account per primary tax ID number. Account holders under the age of 18 are not required to maintain a Beyond Spend, enroll in online banking, or receive e-Statements.
4 To qualify for this account, you must maintain a Beyond Spend account, have a Beyond Save account, enroll in Online Banking, and receive e-statements. If you do not maintain your Beyond Spend account and enroll in e-Statements within two (2) statement cycles, your account will be converted to a Classic Save account. If your Online Banking user becomes inactive, e-Statements will be terminated, you will begin receiving paper statements, and your account will be converted to a Classic Save account. Online Banking users become inactive after 6 months of no login activity. If your Beyond Save is closed, the Bank will automatically convert your next eligible Beyond Save Extra to a Beyond Save to allow you to continue earning the higher interest rate associated with the Beyond Save.
5 A penalty may be imposed for early withdrawal.
6 Rate is not valid with any other offers. To qualify for this Certificate of Deposit you must meet one of the following requirements:1) Have an established checking account with direct deposit of your payroll or retirement benefits; or 2) Have an established Spend account that receives your payroll check via over-the-counter transaction or mobile deposit; or 3) Open a Spend account and establish direct deposit of your payroll or retirement benefits. ClickswitchT may be utilized for efficient redirection of your direct deposit.
EASTERN REGION RATES EFFECTIVE : 05/26/2023
DEPOSIT ACCOUNTS
| Product | Interest Rate | *APY | Min Daily Bal Req To Earn *APY | Min Bal Req To Open |
| Classic Spend1 | 0.25% | 0.25% | $5,000.00 | $25.00 |
| 0.15% | 0.15% | $0.00-$4,999.99 | $25.00 | |
| HSA Spend1 | 0.40% | 0.40% | $0.00 | $0.00 |
| Excellence Money Market1 | 0.30% | 0.30% | $250,000.00 | $10,000.00 |
| 0.25% | 0.25% | $100,000.00-$249,999.99 | $10,000.00 | |
| 0.15% | 0.15% | $50,000.00-$99,999.99 | $10,000.00 | |
| 0.10% | 0.10% | $0.00-$49,999.99 | $10,000.00 | |
| Freedom Advantage Money Market1 | 0.60% | 0.60% | $500,000.00 | $500.00 |
| 0.50% | 0.50% | $250,000.00-$499,999.99 | $500.00 | |
| 0.40% | 0.40% | $100,000.00-$249,999.99 | $500.00 | |
| 0.35% | 0.35% | $25,000.00-$99,999.99 | $500.00 | |
| 0.25% | 0.25% | $0.00-$24,999.99 | $500.00 | |
| MORE Money Market1,2 | 1.25% | 1.26% | $0.00-$24,999.99 | $500.00 |
| 1.75% | 1.76% | $25,000.00-$99,999.99 | $500.00 | |
| 2.01% | 2.03% | $100,000-$249,999 | $500.00 | |
| 2.51% | 2.54% | $250,000.00-$499,999.99 | $500.00 | |
| 3.01% | 3.05% | $500,000 | $500.00 | |
| Senior Money Market Savings1 | 2.50% | 2.52% | $100,000.00 | $500.00 |
| 0.55% | 0.55% | $25,000.00-$99,999.99 | $500.00 | |
| 0.35% | 0.35% | $0.00-$24,999.99 | $500.00 | |
| Beyond Save1,3 | 0.10% | 0.25%-0.70% | over $25,000.00 | $25.00 |
| 0.50% | 0.70%-1.50% | between $5,000.00-$24,999.99 | $25.00 | |
| 1.49% | 1.50% | up to $4,999.99 | $25.00 | |
| Beyond Save Extra1,4 | 0.25% | 0.25% | $0.00 | $25.00 |
| Classic Save1 | 0.25% | 0.25% | $10,000.00 | $25.00 |
| 0.15% | 0.15% | $0.00-$9,999.99 | $25.00 | |
| IRA Save1 | 0.25% | 0.25% | $200.00 | $200.00 |
CERTIFICATES OF DEPOSIT
All Certificates of Deposit are also offered as IRA accounts
| Term | Interest Rate | *APY | Minimum Daily Balance Required to Earn APY |
| 6 Month5 | 0.40% | 0.40% | $1,000.00 |
| 9 Month5 | 4.68% | 4.71% | $5,000.00 |
| 12 Month5 | 0.50% | 0.50% | $1,000.00 |
| 17 Month Special5 | 4.32% | 4.39% | $5,000.00 |
| 18 Month5 | 0.55% | 0.55% | $1,000.00 |
| 24 Month5 | 0.60% | 0.60% | $1,000.00 |
| 36 Month5 | 0.70% | 0.70% | $1,000.00 |
| 48 Month5 | 0.75% | 0.75% | $1,000.00 |
| 60 Month5 | 1.00% | 1.00% | $1,000.00 |
*APY = Annual Percentage Yield.
1 The interest rate and annual percentage yield may change without notice. Fees may reduce the earnings on your account.
2 This account requires one of the following: (1) personal demand deposit account, or (2) primary operating business account with CCFBank
3 The APY for each tier depends on the balance in the account. To qualify for this account, you must maintain a Beyond Spend account, enroll in Online Banking, and receive e-statements. If you do not maintain your Beyond Spend account and enroll in e-Statements within two (2) statement cycles, your account will be converted to a Classic Save account. If your Online Banking user becomes inactive, e-Statements will be terminated, you will begin receiving paper statements, and your account will be converted to a Classic Save account. Online Banking users become inactive after 6 months of no login activity. One account per primary tax ID number. Account holders under the age of 18 are not required to maintain a Beyond Spend, enroll in online banking, or receive e-Statements.
4 To qualify for this account, you must maintain a Beyond Spend account, have a Beyond Save account, enroll in Online Banking, and receive e-statements. If you do not maintain your Beyond Spend account and enroll in e-Statements within two (2) statement cycles, your account will be converted to a Classic Save account. If your Online Banking user becomes inactive, e-Statements will be terminated, you will begin receiving paper statements, and your account will be converted to a Classic Save account. Online Banking users become inactive after 6 months of no login activity. If your Beyond Save is closed, the Bank will automatically convert your next eligible Beyond Save Extra to a Beyond Save to allow you to continue earning the higher interest rate associated with the Beyond Save.
5 A penalty may be imposed for early withdrawal.
6 Rate is not valid with any other offers. To qualify for this Certificate of Deposit you must meet one of the following requirements:1) Have an established checking account with direct deposit of your payroll or retirement benefits; or 2) Have an established Spend account that receives your payroll check via over-the-counter transaction or mobile deposit; or 3) Open a Spend account and establish direct deposit of your payroll or retirement benefits. ClickswitchT may be utilized for efficient redirection of your direct deposit.
IA RATES
Rates will be updated soon.
HOW TO APPLY
Select Your Account
Choose from any checking or savings account to open.
Add Personal Details
Provide a form of identification and basic contact information.
Fund Your Account
Connect a bank account, debit card, or credit card to fund the account.