APPLY FOR A MORTGAGE Home Loans Products and Services Business About Contact Education Forms New User? Deposit Accounts First of all, we challenge you to find a better deposit program. Filer Credit Union has made its name by offering a premier deposit program, where members can feel confident that there money is safe and that they are receiving the return they deserve. Over the past three years, Filer has given out over $220,000 in year end dividends alone. That’s on top of the normal monthly interest that members receive. Even in this low interest rate environment, Filer has continued its longtime commitment of making sure the owners of the credit union (that’s you) receive a robust return. That’s the credit union difference. Premium Membership – Take advantage of your credit union. Too many members don’t even realize all of the free benefits that come along with a credit union membership. To be honest, if you were to go to the bank, you’d be paying for a lot of these services. The premium package is designed to help you help yourself. When you enroll, you’ll be signed up for Regular Shares, Share Draft, Debit Card, Online Banking, and eStatements. Types of Deposit Accounts Share Account: This is your main account. When opened with a $5.00 deposit, it establishes your membership. You are then eligible for other Credit Union services and have voting rights. Share Draft (Checking) Account: Filer Credit Union’s checking accounts are the best in the business! No monthly service fees, no minimum balance, unlimited check writing, overdraft protection, AND we even pay you dividends on the account. Nobody pays dividends on checking accounts anymore (except us, of course)! Money Market Account: If you have some money saved up that you don’t plan on using for the next few months, then this is where you put it. It’s really just a higher yielding share account. The only restrictions are that there is a minimum balance of $2,500 and a maximum of 4 withdrawals a month with a minimum withdrawal of $100.00. There are no fees charged when taking out your money. Certificates of Deposit: CDs tend to be the most common way members save their money. When you open a CD, you basically loan your money to the credit union for the agreed upon term, and we pay you interest on it. Our CDs offer high-yield investment options for short and long-term savings. We have a wide variety of terms available from six months to five years. If you’re especially ambitious, try the Save to Win CD. On top of your monthly interest payments, you also get entered into a lottery to win extra cash. Filer Credit Union has had around a dozen winners over the past few years. Call for more details and click here for the official Save to Win rules. Gen Z CD We’re investing in our future with $200 / 36 month CDs for our younger members with great rates! We dare you to find a better rate… Some restrictions apply. Each member must apply for the Certificate of Deposit on or before their 18th birthday. For more information, please contact a Member Service representative. IRA Account: Highly competitive rates and low minimum balance requirements make Filer Credit Union’s IRAs attractive for all. We offer the Traditional IRA and the Roth IRA. Long term, higher rate certificates of deposit are also available as an IRA option. Health Savings (Checking) Account: See complete information here. Christmas Club Account: This account helps you save just for Christmas. You may deposit as much as you want whenever you want. On November 1 of each year the money that has accumulated in your Christmas Club account is put in your share account and you are then ready to tackle that Christmas shopping. Savings Rates - Current as of - Wednesday, December 1, 2021 Account Type APY Minimum Deposit Minimum Balance REGULAR SHARES 0.1% $5 $25 SHARE DRAFTS 0.05% $25 CHRISTMAS CLUB 0.1% $0 TRADITIONAL IRA SHRS 0.85% $0 ROTH IRA SHARES 0.85% $0 SUB SHARES 0.1% $25 SUB SHARES 0.1% $15000 MONEY MARKET SHARE 0.15% $2500 MONEY MARKET SHARE 0.15% $5000 MONEY MARKET SHARE 0.2% $25000 MONEY MARKET SHARE 0.25% $50000 MONEY MARKET SHARE 0.3% $100000 HSA CHECKING ACCOUNT 0.05% $0 Minimum Balance reflects minimum required amount to earn interest. Fees may reduce earnings on your account APY: Annual Percentage Yield Certificate Rates - Current as of - Wednesday, December 1, 2021 Certificate Term APY Minimum Deposit 6 MONTH MIN $ 1,000 0.2% $1000 12 MONTH MIN $ 1,000 0.3% $1000 18 MONTH MIN $ 1,000 0.4% $1000 24 MONTH MIN $ 1,000 0.5% $1000 36 MONTH MIN $ 1,000 0.7% $1000 48 MONTH MIN $ 1,000 0.95% $1000 60 MONTH MIN $ 1,000 1.11% $1000 12 MO SAVE TO WIN CD 0.3% $25 Early withdrawal penalties may apply If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-595-6630 for assistance. All products and services available on this website are available at all Filer Credit Union full-service locations. Copyright © 2021 Filer Credit Union 1117 28th St. P.O. Box 375 Manistee MI 49660 NMLS # 407814 Phone: 1-800-595-6630 Routing Transit Number: 272479867 Privacy Disclosures Electronic Fund Transfers Insured by the NCUA