Community 1st Credit Union Locations Español Contact Us Search this site LOGIN MENU PERSONAL Checking Savings Savings Rates Loans Mortgage Credit Card Services Online Services Investment Services Clubs Home / Personal / Savings / Savings Rates Rates accurate as of April 5, 2021. Savings Accounts Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY* Primary Savings 0.100% 0.10% $5 $5 Secondary Savings 0.100% 0.10% - - ClubGo Savings 0.599% 0.60% $1,000 $1,000 Christmas Club 0.150% 0.15% - - C1st Saver: Qualifications Met** 0.499% 0.50% - $0.01 C1st Saver: Qualifications Met** 0.250% 0.25% - $15,001 C1st Saver: Qualifications Not Met** 0.030% 0.03% - - *APY is Annual Percentage Yield. Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee. Fees could reduce earnings on the account. Rates may vary after the account is opened. APY accurate as of the last dividend declaration date. Rates subject to change at any time. **A C1st Saver account must be linked to either a C1st Cash or C1st Cash Back checking account. To qualify per monthly qualification cycle, you must: 1) make 12 debit card (non-ATM) transactions; 2) be enrolled in and log into online/mobile banking at least once per cycle; 3) be enrolled in and receive eStatements. QUALIFICATION CYCLE: To qualify, all transactions must post and clear your account during the monthly cycle which is defined as the calendar month; beginning on the first day of the current calendar month through the last day of the current calendar month. Balances up to $15,000 in C1st Saver receive an APY of 0.50%. Balances over $15,000 in a C1st Saver earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. If qualifications are not met in either checking account, all balances in the C1st Saver earn 0.03% APY. Money Market Account Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY* Money Market 0.150% 0.15% $2,500 $2,500 Money Market 0.200% 0.20% $2,500 $25,001 Money Market 0.399% 0.40% $2,500 $50,001 Money Market 0.499% 0.50% $2,500 $100,001 Money Market 0.648% 0.65% $2,500 $250,001 *APY is Annual Percentage Yield. Dividends will be compounded monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield (fee if drops below min.). Fees could reduce earnings on the account. Rates may vary after the account is opened. APY accurate as of the last dividend declaration date. Rates subject to change at any time. IRA Shares Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY* IRA 0.798% 0.80% $100 $100 *APY is Annual Percentage Yield. Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method (fee if drops below min.). Withdrawals may be subject to early withdrawal penalties, and to tax and penalty, according to IRS Regulations. Fees could reduce earnings on the account. Rates may vary after the account is opened. APY accurate as of the last dividend declaration date. Rates subject to change at any time. Certificate Accounts Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY* 03 Month 0.100% 0.10% $500 $500 03 Month 0.100% 0.10% $500 $7,501 06 Month 0.150% 0.15% $500 $500 06 Month 0.200% 0.20% $500 $7,501 06 Month 0.300% 0.30% $500 $50,001 12 Month 0.300% 0.30% $500 $500 12 Month 0.350% 0.35% $500 $7,501 12 Month 0.399% 0.40% $500 $15,001 12 Month 0.449% 0.45% $500 $50,001 18 Month 0.399% 0.40% $500 $500 18 Month 0.449% 0.45% $500 $7,501 18 Month 0.499% 0.50% $500 $15,001 18 Month 0.549% 0.55% $500 $50,001 24 Month 0.449% 0.45% $500 $500 24 Month 0.499% 0.50% $500 $7,501 24 Month 0.549% 0.55% $500 $15,001 24 Month 0.599% 0.60% $500 $50,001 36 Month 0.499% 0.50% $500 $500 36 Month 0.549% 0.55% $500 $7,501 36 Month 0.599% 0.60% $500 $15,001 36 Month 0.698% 0.70% $500 $50,001 48 Month 0.599% 0.60% $500 $500 48 Month 0.648% 0.65% $500 $7,501 48 Month 0.748% 0.75% $500 $15,001 48 Month 0.847% 0.85% $500 $50,001 60 Month 0.648% 0.65% $500 $500 60 Month 0.748% 0.75% $500 $7,501 60 Month 0.847% 0.85% $500 $15,001 60 Month 0.947% 0.95% $500 $50,001 *APY is Annual Percentage Yield. Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method. Penalties may be imposed for withdrawal of funds before maturity. Fees could reduce earnings on the account. 3 month and 6 month certificate accounts & specials are not available for IRA Investments. Rates subject to change at any time. Certificate Account rates shown apply to amounts up to $250,000. PERSONAL Checking Savings Loans Mortgage Credit Card Services Online Services Investment Services Clubs BUSINESS & AG Business Loans Agriculture Loans Business Checking Business Credit Cards Cash Management Business Rates COMMUNITY C1st Foundation Sponsorships and Donations Scholarships Calendar of Events Financial Education YouthMAX RESOURCES About Us Careers Referral Program - Connect Us Insurance News/Blog Schedule an Appointment Service Fees 24-Hour Telephone Banking Toll Free (866) 360-5370 Routing #273975726 Copyright © 2021. All Rights Reserved. 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