Savings Rates

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Checking Accounts

Checking Rates

Rates Accurate as of June 21, 2016
TypesMinimum to Open# of Debit TransactionsDividendAPY^Min Bal to Earn Dividend
Vertical Dividend Checking*$5015+2.96%3.00%N/A
Platinum Rewards Checking**$50N/A0.05%0.05%$500
Business Dividend Checking$100N/A0.05%0.05%$1,000
Classic Checking$50N/A0.05%0.05%$500
Debit Rewards Checking$50N/A0.05%0.05%$500
Health Savings CheckingN/AN/A0.05%0.05%$500

Share Accounts

Rates accurate as of May 3, 2016
TypesDividend RateAPY^Minimum Balance #
Regular Shares†0.11%0.11%$200
Special Shares0.11%0.11%$200
Christmas Club0.11%0.11%$200
Vacation Club0.11%0.11%$200
IRA/CESA Share Account0.41%0.41%$500

Money Market Share Accounts

Rates accurate as of May 3, 2016
TiersDividend RateAPY^Minimum Balance #
$1,000 - $9,9990.16%0.16%$1,000
$10,000 - $24,9990.21%0.21%$10,000
$25,000 - $49,9990.30%0.30%$25,000
$50,000 - $99,9990.35%0.35%$50,000
$100,000 and above0.40%0.40%$100,000

Certificates

Rates accurate as of July 12, 2016
TermsDividend RateAPY^Minimum Balance #
3 Month Certificate0.15%0.15%$1,000
6 Month Certificate0.30%0.30%$1,000
8 Month Certificate0.50%0.50%$1,000
1 Year Certificate0.46%0.46%$1,000
Save to Win 1 Year Certificate1.00%1.00%Click for Info!
14 Month Certificate1.00%1.00%$1,000
17 Month Certificate0.60%0.60%$1,000
18 Month Certificate1.10%1.11%$1,000
2 Year Certificate0.75%0.75%$1,000
30 Month Certificate1.25%1.26%$1,000
3 Year Certificate1.35%1.36%$1,000
4 Year Certificate1.69%1.70%$1,000
5 Year Certificate1.98%2.00%$1,000
6 Year Certificate2.05%2.07%$1,000

Individual Retirement Account Certificates & Health Savings Account Certificates

Rates accurate as of July 12, 2016
TermsDividend RateAPY^Minimum Balance #
8 Month Fixed‡0.55%0.55%$1,000
1 Year Fixed0.61%0.61%$1,000
14 Month Fixed ‡1.05%1.06%$1,000
17 Month Fixed‡0.65%0.65%$1,000
18 Month Fixed ‡1.15%1.16%$1,000
2 Year Fixed0.80%0.80%$1,000
30 Month Fixed‡1.30%1.31%$1,000
3 Year Fixed1.40%1.41%$1,000
4 Year Fixed1.74%1.75%$1,000
5 Year Fixed2.03%2.05%$1,000
6 Year Fixed‡2.10%2.12%$1,000

Share and Checking Account dividend rates may change after the account has been opened. Dividends on share and checking accounts are established and paid monthly at a rate determined by the ETFCU Board of Directors. Dividends are computed on the daily balance and paid monthly for those days in which the minimum balance is on deposit. Fees may reduce earnings.

There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.

^Annual Percentage Yield
#Minimum balance to obtain APY disclosed
*Vertical Dividend Checking – Dividends not paid on balances over $15,000. No dividend paid if all monthly requirements are not met or if fewer than 15 debit card transactions post in the month. Monthly requirements include: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit(s) into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify. ScoreCard Points are not rewarded on purchases from Vertical Dividend Checking
**Platinum Rewards Checking – Accountholders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit  into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify.
†Requires $5.00 to open account
‡IRA Funds Only