Dividend Rates
Earn more and save more with our high dividend rates.
Rates Effective July 4, 2022
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Fixed Rate Certificates
Dividend Rate Annual Percentage Yield 6 Month Certificate 0.60% 0.60% 12 Month Certificate 0.80% 0.80% 24 Month Certificate 0.90% 0.90% 36 Month Certificate 1.15% 1.15% 48 Month Certificate 1.40% 1.41% 60 Month Certificate 1.50% 1.51% 84 Month Certificate1,3 2.00% 2.02% 84 Month Loyalty Certificate1,2 2.25% 2.27% Youth Certificate – 12 Months 0.80% 0.80% Minimum balance required to open and earn the APY is $500.
The dividend rate and APY are determined weekly, and the dividends are credited and compounded according to the certificates and IRA certificates listed. Rates, terms and conditions are subject to change without notice. After your fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
1 Allowed a one-time dividend rate upgrade request during the original term. At the time of request, the dividend rate will be increased to the dividend rate offered at that time for the same product and term and will be fixed until the original certificate maturity date.
2 To qualify, you must have a checking account opened at least six (6) months with a minimum of ten (10) member-initiated transactions within the past sixty (60) days and must already have one of the following FFCU products: a credit card, loan, certificate or IRA.
3 When qualifications are met3, you may use the one-time upgrade request to convert your 84-month certificate product into an 84-month Loyalty certificate product, which will follow the same upgrade terms listed above. -
Fixed Rate IRA Certificates
Dividend Rate Annual Percentage Yield 12 Month IRA Tier 1 0.90% 0.90% 12 Month IRA Tier 2 1.00% 1.00% 12 Month IRA Tier 3 1.15% 1.15% 24 Month IRA Tier 1 1.00% 1.00% 24 Month IRA Tier 2 1.10% 1.10% 24 Month IRA Tier 3 1.25% 1.25% 36 Month IRA Tier 1 1.25% 1.26% 36 Month IRA Tier 2 1.35% 1.36% 36 Month IRA Tier 3 1.50% 1.51% 48 Month IRA Tier 1 1.50% 1.51% 48 Month IRA Tier 2 1.60% 1.61% 48 Month IRA Tier 3 1.75% 1.76% 60 Month IRA Tier 1 1.60% 1.61% 60 Month IRA Tier 2 1.70% 1.71% 60 Month IRA Tier 3 1.85% 1.86% 84 Month IRA Tier 11,3 2.10% 2.12% 84 Month IRA Tier 21,3 2.20% 2.22% 84 Month IRA Tier 31,3 2.35% 2.37% 84 Month Loyalty IRA Tier 11,2 2.35% 2.37% 84 Month Loyalty IRA Tier 21,2 2.45% 2.47% 84 Month Loyalty IRA Tier 31,2 2.60% 2.63% Minimum balance required to open and earn the APY is $500.
The dividend rate and APY are determined weekly, and the dividends are credited and compounded according to the certificates and IRA certificates listed. Rates, terms and conditions are subject to change without notice. After your fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
New Tiers for IRA effective 1-1-2021
Tier 1 - Balance less than $50,000.00
Tier 2 - Balance $50,000 to $99,999
Tier 3 - Balance $100,000 and above1 Allowed a one-time dividend rate upgrade request during the original term. At the time of request, the dividend rate will be increased to the dividend rate offered at that time for the same product and term and will be fixed until the original certificate maturity date.
2 To qualify, you must have a checking account opened at least six (6) months with a minimum of ten (10) member-initiated transactions within the past sixty (60) days and must already have one of the following FFCU products: a credit card, loan, certificate or IRA.
3 When qualifications are met3, you may use the one-time upgrade request to convert your 84-month certificate product into an 84-month Loyalty certificate product, which will follow the same upgrade terms listed above. -
Variable Rate IRA Savings
Dividend Rate Annual Percentage Yield Variable Rate IRA Savings4 0.50% 0.50% Minimum balance required to open and earn the APY is $500.
4 Dividend rates may change after the account is opened. Fees could reduce earnings.
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Checking Account
Dividend Rate Annual Percentage Yield Checking Account 0.00% 0.00% Fresh Start Checking Account 0.00% 0.00% $0 minimum deposit for our Checking Account.
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Savings Accounts
Dividend Rate Annual Percentage Yield Savings Account
$5 Minimum0.15% 0.15% Loyalty Select5
$0 Minimum3.00% 3.04% Christmas Club
$0 Minimum0.15% 0.15% Money Market Plus6
$1,000 - $24,999
$1,000 Minimum0.35% 0.35% Money Market Plus6
$25,000 - $49,999
$25,000 Minimum0.45% 0.45% Money Market Plus6
$50,000 or more
$50,000 Minimum0.55% 0.55% Minimum balance required to open and earn the APY is listed above.
5 Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Select Account Program. Members will be responsible for any associated tax liability and may receive a 1099-MISC and a 1099-INT as applicable. Click here for full terms and conditions.
6 This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over the counter or ATM transactions you can make on this account.
The Par Value of a Membership is $5.00.
Swipe the chart below to see more information.
| Dividends Compounded | Dividends Credited | Dividend Period | |
|---|---|---|---|
| Savings Account | Monthly | Monthly | Monthly |
| Loyalty Select | Monthly | Monthly | Monthly |
| Money Market Plus | Monthly | Monthly | Monthly |
| Christmas Club | Monthly | Monthly | Monthly |
| Checking Account | Monthly | Monthly | Monthly |
| Fixed Rate Certificates and IRA Certificates | At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. | At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. | At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. |
| Variable Rate IRA Savings | Monthly | Monthly | Monthly |
| Youth Certificate | Quarterly | Quarterly | Quarterly |