A Great Way To Help
Grow Your Money.

No matter what you need, Cinfed can help you find the best way to save and reach your financial goals.
Take a look at all the exclusive rates we have to offer to Cinfed Members.
A few ways we can keep you saving:
CERTIFICATES

Lock in a great rate — up to 5.00% APY* — and watch your money grow. This limited time offer featuring a 15-month term that requires 50% new money.
- 5.00% APY = $100,000 or more
- 4.75% APY = $50,000 to $99,999
- 4.50% APY = Less than $50,000

A certificate with a twist! A Smart30 is a great way to start saving.
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Requirements: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Max. deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity.

With a Certificate, you can choose from terms ranging from 3 to 60 months, depending on your plans and needs. Your rate will be locked in for the term of the certificate. View current rates.
Jumbo Rate Bonus!
Enjoy a 0.15% bonus on certificates with a balance of $50,000.00 or greater for 24 months and longer terms.
Requirements: $500 minimum balance. Penalty for early withdrawal.
PERSONAL SAVINGS ACCOUNTS

A Main Share Savings Account grants you a start to something great (and rewarding). With a main share, not only do you gain a savings account, you can also start taking advantage of the many products and services Cinfed has to offer. Yep, it's just that easy! Take advantage of Early Pay when you set up direct deposit. View Current Rates.
Requirement: $5.00 minimum balance

A Super Share is a Main Share with a little more muscle. This account works just like a Main Share but offers a higher APY** so you get a little more bang for your buck. If you regularly keep $2,000 or more in your Main Share, a Super Share may be right for you! View current rates.
Requirement: $2,000 in Main Share

Exclusive to our members with an active Kasasa® Checking Account. This nifty little add-on allows you to earn a higher rate, plus it's a great place to store those Kasasa rewards! View Current Rates.
Requirement: Kasasa® Checking Account

Perfect for saving for a particular item or event. Planning a wedding? Wanting to go on a nice getaway? You can schedule automatic deposits and stay focused on reaching your goals. View Current Rates.
Requirement: $5.00 minimum balance in Main Share

When the holidays roll around, you may be worried about finding the perfect gift but you won't be worried about your budget. With a Christmas Club Account, you'll earn dividends effortlessly as you save throughout the year. Funds are disbursed on Oct. 1 each year — just in time for shopping! View Current Rates.
Requirement: $5.00 minimum balance in Main Share

By joining the Rockstar Saver Savings Program, your child will receive a Cinfed Membership and a dividend-earning youth savings account with no monthly fees! Open to children ages 5-14.
Connect their account to our mobile app to teach them money management basics - like monitoring their account balance and completing transactions. Plus, have the ability to link a checking account to their savings for additional hands-on experience.
Rockstar Rewards:
- Prizes every 10th deposit
- Birthday card and deposit voucher
- Rockstar Newsletter with saving tips and contests

A Health Savings Account (HSA) may be the solution for managing your medical costs. The funds can accumulate in your account and be used to pay for qualifying doctor visits, prescriptions, and dental check-ups. View more information.
IRAs

- Earnings on balance are tax-deferred
- Tax deduction for qualified tax payers
- Required distribution at age 70 1/2
- Earned income required
- $100 minimum deposit unless initiating a rollover or transfer

- Earnings on balance are tax-deferred
- Tax-free distributions (must be a qualified distribution)
- No required distribution
- No age limit
- Earned income required
- $100 minimum deposit unless initiating a rollover or transfer
Three Easy Ways To Sign Up For A Savings or Certificate Account:
We've Got You Covered With Insured Savings.
Your share accounts are insured up to $1,250,000 and your retirement accounts are insured up to $1,250,000 at Cinfed Credit Union. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance by Excess Share Insurance Corporation (ESI).
For more information about ESI, visit their website at http://www.excessshare.com or browse our Forms & Disclosures.
*APY: Annual Percentage Yield. $500 minimum deposit required to open account; must be at least 50% new money (money not currently on deposit with Cinfed). APY is determined based on the amount deposited at certificate opening; 4.50% APY for balances below $49,999.99, 4.75% APY for balances between $50,000.00 – $99,999.99, and 5.00% APY for balances of $100,000.00 or more. Standard restrictions and penalties for early withdrawal apply. After 15-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Rates are subject to change. Available for a limited time only.
** APY= Annual Percentage Yield. The National Credit Union Administration federally insures all our savings accounts.