04/1/2023 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™ 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.* 30Mo.Promo† 3Yr.* 5Yr.*
$1005, 6 – YOUTH CDs
APY7 0.90% — — 1.05% — — — — —
Dividend Rate 0.90% — — 1.05% — — — — —
FLEX CDs – $2505
APY9 — — — 0.90% — — — — —
Dividend Rate — — — 0.90% — — — — —
REGULAR CDs – $5005
APY7 0.90% 2.90% 3.15% 1.05% 1.15% 1.20% 3.65% 1.25% 1.35%
Dividend Rate 0.90% 2.86% 3.11%  1.05% 1.14% 1.19% 3.59% 1.24% 1.34%
SUPER CDs – $50,0005
APY7 0.95% 2.95%  3.20%  1.10% 1.20% 1.25% 3.70% 1.30% 1.40%
Dividend Rate 0.95% 2.91%  3.15%  1.09% 1.19% 1.24% 3.64% 1.29% 1.39%
JUMBO CDs – $100,0005
APY7 1.00% 3.00%  3.25%  1.15% 1.25% 1.30% 3.75% 1.35% 1.45%
Dividend Rate 1.00% 2.96%  3.20%  1.14% 1.24% 1.29% 3.69% 1.34% 1.44%
* Indicates that these terms are available as Individual Retirement Account (IRA) CDs.

  1. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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. Annual Percentage Yield. Accurate as of 04/1/2023. 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.

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Annual Percentage Yield offered range from 0.90% to 3.75% and are effective 04/1/2023. The 3.75% APY requires a minimum deposit of $100,000. 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 30-month term 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.
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Annual Percentage Yield offered range from offered range from 0.90% to 3.75% and are effective 04/1/2023. The 3.25% APY requires a minimum deposit of $100,000. 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 11-month term 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.
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Annual Percentage Yield offered range from offered range from 0.90% to 3.75% and are effective 04/1/2023. The 3.00% APY requires a minimum deposit of $100,000. 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-month term 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.