IRA & CD Rates
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CD Specials
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| Youth 12 Months* | 4.10% | $50 (Allows additional deposits, capped at $10,000) |
| 7 Months | 4.00% | $500 |
| 13 Months | 3.85% | $500 |
| 21 Months | 3.70% | $500 |
| Jumbo 7 Months | 4.15% | $100,000** |
| Jumbo 13 Months | 4.00% | $100,000** |
| Jumbo 21 Months | 3.85% | $100,000** |
*Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved.
**Jumbo certificates require a minimum deposit of $100,000 with at least $10,000 new money. New money is money not on deposit with Family First over the last 60 days.
Certificate Rates
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| 3 – 5 Months | 0.15% | $500 |
| 6 – 11 Months | 0.20% | $500 |
| 12 – 17 Months | 0.25% | $500 |
| 18 – 23 Months | 0.30% | $500 |
| 24 – 35 Months | 0.35% | $500 |
| 36 – 47 Months | 0.40% | $500 |
| 48 – 59 Months | 0.45% | $500 |
| 60 Months | 0.50% | $500 |
Jumbo Certificates – Add 0.15% to any of the above CD rates with $100,000 minimum balance!** Jumbo Certificates cannot be utilized on current CD specials.
APY is annual percentage yield.
Rates and yields are set by the Credit Union Board of Directors and are subject to change without notice. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.
Rates are valid as of 05/21/2025.
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