09/28/2023 Deposit Rates

The Annual Percentage Yield (APYs) are As High As. NCUA — Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. ESI (Excess Share Insurance) coverage provides up to an additional $250,000 of savings protection to each qualifying account.

Savings Share Accounts
  APY1 Dividend Rate
Smart Savings Share Accounts
All Balances 0.05% 0.05%
Holiday/Summer Savers Club Account 0.25% 0.25%
Health Savings Accounts
$15,000.00 and over 0.25% 0.25%
$5,000.00-$14,999.99 0.20% 0.20%
$1,000.00-$4,999.99 0.15% 0.15%
$0.00-$999.99 0.10% 0.10%
Checking Accounts
  APY2 Dividend Rate
Power of the Dollar® MAX Checking* 3.00% 2.96%
Power of the Dollar® Plus Checking  0.15% 0.15%
Power of the Dollar® Checking  0.10% 0.10%
FREE Checking 0.01% 0.01%
Business Plus Checking 0.05% 0.05%
Organization Checking 0.05% 0.05%
On Your Mark Money® Market Account
  APY3 Dividend Rate
$250 and Over 0.50% 0.50%
Less Than $250 0.00% 0.00%
IRA Share Accounts
  APY4 Dividend Rate
All Balances 0.05% 0.05%
Certificate of Deposits
  6Mo. 7Mo.Promo† 11Mo.Promo† 1Yr.†† 18Mo.†† 2Yr.†† 3Yr.†† 5Yr.††
$1005, 6 – YOUTH CDs
APY7 4.00% — — 4.00% — — — —
Dividend Rate 3.93% — — 3.93% — — — —
FLEX CDs – $2505
APY9 — — — 3.85% — — — —
Dividend Rate — — — 3.78% — — — —
REGULAR CDs – $5005
APY7 4.00% 5.00% 4.50% 4.00% 4.00% 3.00% 3.00% 3.00%
Dividend Rate 3.93% 4.89% 4.41%  3.93% 3.93% 2.96% 2.96% 2.96%
SUPER CDs – $50,0005
APY7 4.00% 5.00%  4.50%  4.00% 4.00% 3.00% 3.00% 3.00%
Dividend Rate 3.93% 4.89%  4.41%  3.93% 3.93% 2.96% 2.96% 2.96%
JUMBO CDs – $100,0005
APY7 4.00% 5.00%  4.50%  4.00% 4.00% 3.00% 3.00% 3.00%
Dividend Rate 3.93% 4.89%  4.41%  3.93% 3.93% 2.96% 2.96% 2.96%

  1. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  2. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  3. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  4. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Minimum $5 to open a savings or IRA savings account. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  5. Indicates that these are the minimums available.

  6. Only available to youth members (ages 19 and younger).

  7. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if early withdrawals are taken.

  8. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  9. APY is Annual Percentage Yield. Accurate as of 09/28/2023. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if excessive (more than two) early withdrawals are taken.

†

APY is Annual Percentage Yield and are effective as of 09/28/2023. The 5.00% APY requires a minimum deposit of $500. Compounded monthly. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the 7 and 11-month terms of this certificate of deposit. Penalties will be incurred if early withdrawals are taken. Applicable to new money only from a financial institution other than Firstmark. Terms and conditions subject to change without notice. The Credit Union is federally insured.
††  Indicates that these terms are available as Individual Retirement Account (IRA) CDs.
*

Annual Percentage Yield. Accurate as of 09/28/2023. The Credit Union may offer other rates in the future. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered rate account. There is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met during the dividend period, you will not earn the stated annual percentage yield. For balances $0-$499, the Dividend rate is 0.00% with a APY range of 0.00%; Balances $0 – $10,000 the Dividend Rate is 2.96% with a APY range of 3.0%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with a APY range of 0.01%.