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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States goverenment. National Credit Union Administration, a U.S. Government Agency.
Community Federal Credit Union
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Share Savings Accounts
Opening a share savings account will establish your membership at the credit union. Along with payroll deduction you may make deposits by mail or in person. Withdrawals can be made in person, requested by phone or via an ATM machine. Minimum opening balance is $5.00.
Tiered
Rate
APY*
Up to $999 $1,000 - $4,999 $5,000 - $14,999 $15,000 - $19,999 $20,000 +
0.10% 0.10% 0.10% 0.10% 0.25%
0.10% 0.10% 0.10% 0.10% 0.25%
*Annual Percentage Yield
Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter $5.00 Minimum to Open your Account There is No Minimum Balance to Obtain APY Account Limitations: Account Transfer Limitations Apply
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule are share accounts. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Certificate and IRA Share Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Share, Share Draft, Vacation, Scottie Savers Club, Christmas Club, and IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.  FOR SHARE CERTIFICATE AND IRA SHARE CERTIFICATE ACCOUNTS ONLY Disclosure
Share Certificates
For a higher rate, certificates are available. We offer competitive rates. Penalty applies for early withdrawal. Term 6 Month, Minimum Balance $1000 Term 12 Month, Minimum Balance $1000 Term 24 Month, Minimum Balance $1000 Term 36 Month, Minimum Balance $1000 Term 6 Month - 36 Month, Minimum Balance $500 (Minor Accountholders)
Term
6 month
36 month
Minimum Dividend Rate (Fixed) APY* (Fixed) Renewable Early Withdrawal Penalties
$1000 .30% .30% Yes 30 Days of Interest
*Annual Percentage Yield
12 month
24 month
$1000 .40% .40% Yes 30 Days of Interest
$1000 .65% .65% Yes 90 Days of Interest
$1000 .90% .90% Yes 90 Days of Interest
Vacation Club
An easy way to save for your vacation. Withdrawals allowed at any time.
Tiered
Rate
APY*
Up to $999 $1,000 - $4,999 $5,000 - $14,999 $15,000 - $19,999 $20,000 +
0.10% 0.10% 0.10% 0.10% 0.25%
0.10% 0.10% 0.10% 0.10% 0.25%
*Annual Percentage Yield
Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter No Minimum to Open No Minimum Balance to Obtain APY Account Limitations: Account Transfer Limitations Apply
Scottie Savers
This account is open to children 12 years and under. A fun way to start your child on the road of learning to save. Different events are scheduled throughout the year (previously: Entrance to Vala's Pumpkin Patch, and Coloring Contest). Children receive a Scottie Dollar for each $10.00 deposit they make. Scottie Dollars can be redeemed for gift items.
Tiered
Rate
APY*
Up to $999 $1,000 - $4,999 $5,000 - $14,999 $15,000 - $19,999 $20,000 +
0.10% 0.10% 0.10% 0.10% 0.25%
0.10% 0.10% 0.10% 0.10% 0.25%
*Annual Percentage Yield
Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter $5.00 Minimum to Open No Minimum Balance to Obtain APY No Account Limitations
Christmas Club
Make your holiday shopping worry-free by starting to save early. With our Christmas Club Savings Plan, you'll have enough money saved to pay off your holiday bills. Open this account any time and continue to deposit throughout the year. October 1st the funds will be transferred to your savings account. You may choose to receive your money in the form of a check mailed to your home or automatically deposited into your account. Penalty applies for early withdrawal.
Tiered
Rate
APY*
Up to $999 $1,000 - $4,999 $5,000 - $14,999 $15,000 - $19,999 $20,000 +
0.10% 0.10% 0.10% 0.10% 0.25%
0.10% 0.10% 0.10% 0.10% 0.25%
*Annual Percentage Yield
Rates Effective July 1, 2015 
Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter No Minimum to Open No Minimum Balance to Obtain APY Account Limitations: Account Withdrawal Limitations Apply
IRA Savings & Roth IRA Savings
Start planning for the future now by opening an Individual Retirement Account. With automatic payroll deduction, building a retirement account can be easy. IRA Savings account minimum balance is $5.00.
Tiered
Rate
APY*
Up to $999 $1,000 - $4,999 $5,000 - $14,999 $15,000 - $19,999 $20,000 +
0.10% 0.10% 0.10% 0.10% 0.25%
0.10% 0.10% 0.10% 0.10% 0.25%
*Annual Percentage Yield
Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter No Minimum Balance to Obtain APY No Account Limitations
IRA & Roth IRA Certificates
Start planning for the future now by opening an Individual Retirement Account. With automatic payroll deduction, building a retirement account can be easy. IRA certificate minimum balance is $1,000.00.
Term
6 month
36 month
Minimum Dividend Rate (Fixed) APY* (Fixed) Renewable Early Withdrawal Penalties
$1000 .30% .30% Yes 30 Days of Interest
*Annual Percentage Yield
12 month
24 month
$1000 .40% .40% Yes 30 Days of Interest
$1000 .65% .65% Yes 90 Days of Interest
$1000 .90% .90% Yes 90 Days of Interest