Investing your funds in a local not-for-profit financial institution will not only provide you with some of the highest returns around, it strengthens your community in ways you wouldn't believe. Experience a win-win and choose CFCU to grow your money.
Apply within Digital Banking, stop by any branch, or call us today at 800-428-8340. It only takes a few minutes to set up and you'll be earning more than before!
1. We're local AND not-for-profit.
Honestly, what more could you ask for? Not only will you receive the benefit of earning more on your investment, but you are also strengthening your credit union and communities by choosing to invest with us.
2. You're insured up to $250,000 with the NCUA.
CFCU provides a safe place for your hard-earned savings. Depositors are federally insured to at least $250,000 by the National Credit Union Administration, which holds one of the strongest federal deposit insurance funds in existence.
3. Some of the best rates around.
Check out our Annual Percentage Yield (APY) rates here.
| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.15% | Receive a notification when this rate changes |
| 6 Month Plus | 0.20% | Receive a notification when this rate changes |
| 12 Month Plus | 0.45% | Receive a notification when this rate changes |
| 24 Month Plus | 0.65% | Receive a notification when this rate changes |
| 36 Month Plus | 0.75% | Receive a notification when this rate changes |
| 48 Month Plus | 0.80% | Receive a notification when this rate changes |
| 60 Month | 0.85% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.20% | Receive a notification when this rate changes |
| 6 Month Plus | 0.25% | Receive a notification when this rate changes |
| 12 Month Plus | 0.50% | Receive a notification when this rate changes |
| 24 Month Plus | 0.70% | Receive a notification when this rate changes |
| 36 Month Plus | 0.80% | Receive a notification when this rate changes |
| 48 Month Plus | 0.85% | Receive a notification when this rate changes |
| 60 Month | 0.90% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.25% | Receive a notification when this rate changes |
| 6 Month Plus | 0.35% | Receive a notification when this rate changes |
| 12 Month Plus | 0.60% | Receive a notification when this rate changes |
| 24 Month Plus | 0.80% | Receive a notification when this rate changes |
| 36 Month Plus | 0.90% | Receive a notification when this rate changes |
| 48 Month Plus | 0.95% | Receive a notification when this rate changes |
| 60 Month | 1.00% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 12 month | 0.45% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.
Lucky Savers Truth in Savings Disclosure See official rules here. For more information, please visit www.nycua.org. |
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Annual Percentage Yield (APY) is the total amount of dividends projected for the account, based on the dividend rate and frequency of compounding, for a 365-day period. This is uniform for all members.
Annual Percentage Yield Earned (APYE) is an annualized rate that shows the relationship between the dividends paid and the average daily balance in the account for that period. This may vary by member, as it is based on average balances.
You will receive a maturity letter in the mail, stating what your options are. Our rates are current here:
| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.15% | Receive a notification when this rate changes |
| 6 Month Plus | 0.20% | Receive a notification when this rate changes |
| 12 Month Plus | 0.45% | Receive a notification when this rate changes |
| 24 Month Plus | 0.65% | Receive a notification when this rate changes |
| 36 Month Plus | 0.75% | Receive a notification when this rate changes |
| 48 Month Plus | 0.80% | Receive a notification when this rate changes |
| 60 Month | 0.85% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.20% | Receive a notification when this rate changes |
| 6 Month Plus | 0.25% | Receive a notification when this rate changes |
| 12 Month Plus | 0.50% | Receive a notification when this rate changes |
| 24 Month Plus | 0.70% | Receive a notification when this rate changes |
| 36 Month Plus | 0.80% | Receive a notification when this rate changes |
| 48 Month Plus | 0.85% | Receive a notification when this rate changes |
| 60 Month | 0.90% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.25% | Receive a notification when this rate changes |
| 6 Month Plus | 0.35% | Receive a notification when this rate changes |
| 12 Month Plus | 0.60% | Receive a notification when this rate changes |
| 24 Month Plus | 0.80% | Receive a notification when this rate changes |
| 36 Month Plus | 0.90% | Receive a notification when this rate changes |
| 48 Month Plus | 0.95% | Receive a notification when this rate changes |
| 60 Month | 1.00% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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Yes! We will send you a letter in the mail.
Your Certificate funds will roll into another term.
There is no fee to open a share certificate; however, there is a penalty for withdrawal prior to maturity.
Penalties are calculated as follows:
24 months term or less will forfeit 90 days of interest
24 months term or more will forfeit 180 days of interest
No.
There is no 'for sure' answer on this. However, you do have the ability to let us know what rate you want! When we hit it, we'll send you an e-mail letting you know. Just click 'Alert me' next to the product you are hoping to use in the future!
| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.15% | Receive a notification when this rate changes |
| 6 Month Plus | 0.20% | Receive a notification when this rate changes |
| 12 Month Plus | 0.45% | Receive a notification when this rate changes |
| 24 Month Plus | 0.65% | Receive a notification when this rate changes |
| 36 Month Plus | 0.75% | Receive a notification when this rate changes |
| 48 Month Plus | 0.80% | Receive a notification when this rate changes |
| 60 Month | 0.85% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.20% | Receive a notification when this rate changes |
| 6 Month Plus | 0.25% | Receive a notification when this rate changes |
| 12 Month Plus | 0.50% | Receive a notification when this rate changes |
| 24 Month Plus | 0.70% | Receive a notification when this rate changes |
| 36 Month Plus | 0.80% | Receive a notification when this rate changes |
| 48 Month Plus | 0.85% | Receive a notification when this rate changes |
| 60 Month | 0.90% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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| Term | Annual Percentage Yield (APY)1 | Alert Me |
|---|---|---|
| 3 Month Plus | 0.25% | Receive a notification when this rate changes |
| 6 Month Plus | 0.35% | Receive a notification when this rate changes |
| 12 Month Plus | 0.60% | Receive a notification when this rate changes |
| 24 Month Plus | 0.80% | Receive a notification when this rate changes |
| 36 Month Plus | 0.90% | Receive a notification when this rate changes |
| 48 Month Plus | 0.95% | Receive a notification when this rate changes |
| 60 Month | 1.00% | Receive a notification when this rate changes |
| The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal. | ||
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No. Your rates are set when you open your Certificate.
You cannot on most certificates. However, you can make deposits into your Lucky Savers Certificate at any time!
Sure can! Just give our call center a ring and we can open it for you today!
Member Solutions
(Mon-Fri. 8am-5:30pm; Sat. 9am-12pm)
607-257-8500 or toll free 800-428-8340
CFCU Insurance Services
(Mon-Sat. 8am-8:30pm)
Telephone Banking
607-257-8113 or toll free 800-782-9413
Suspected Fraud/Lost/Stolen Debit Card
Suspected Fraud/Lost/Stolen Credit Card
866-205-8314 (Domestic) or 703-463-2473 (International) Option 2
CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.
Simply save for a rainy day and have a chance at prizes up to $5,000!
Simply save for a rainy day and have a chance at prizes up to $5,000!