Celebration Certificate

Rates as of Jul 23, 2024 ET.

TERM APY* RATE
9 Months** 9.000% 8.711%
*APY: Annual Percentage Yield.
**$500 minimum deposit required to open account. $900 maximum deposit. One per member. Standard restrictions and penalties for early withdrawal apply. After 9-month term expires, account will auto-renew for 6 months at the rate in effect at time of renewal. Rates are subject to change. Available for a limited time only. Not available for IRA/HSA accounts. Offer expires July 31, 2024.
TERM
9 Months**
APY*
9.000%
RATE
8.711%
*APY: Annual Percentage Yield.
**$500 minimum deposit required to open account. $900 maximum deposit. One per member. Standard restrictions and penalties for early withdrawal apply. After 9-month term expires, account will auto-renew for 6 months at the rate in effect at time of renewal. Rates are subject to change. Available for a limited time only. Not available for IRA/HSA accounts. Offer expires July 31, 2024.

Certificates

Rates as of Jul 23, 2024 ET.

AVAILABLE TERMS APY* RATE
3 Months 3.250% 3.211%
6 Months 4.500% 4.426%
12 Months 4.200% 4.135%
24 Months 4.200% 4.135%
36 Months 4.200% 4.135%
48 Months 4.200% 4.135%
60 Months 4.200% 4.135%
Smart30** 4.500% 4.426%
Jumbo Rate Special 15 Basis Points Bonus for 24-60 Month CDs >= $50k
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
AVAILABLE TERMS
3 Months
APY*
3.250%
RATE
3.211%
AVAILABLE TERMS
6 Months
APY*
4.500%
RATE
4.426%
AVAILABLE TERMS
12 Months
APY*
4.200%
RATE
4.135%
AVAILABLE TERMS
24 Months
APY*
4.200%
RATE
4.135%
AVAILABLE TERMS
36 Months
APY*
4.200%
RATE
4.135%
AVAILABLE TERMS
48 Months
APY*
4.200%
RATE
4.135%
AVAILABLE TERMS
60 Months
APY*
4.200%
RATE
4.135%
AVAILABLE TERMS
Smart30**
APY*
4.500%
RATE
4.426%
AVAILABLE TERMS
Jumbo Rate Special
APY*
15 Basis Points Bonus for 24-60 Month CDs >= $50k
RATE
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.

Conventional Mortgage Rates¹

Rates as of Jul 23, 2024 ET.

TERM RATE AS LOW AS APR*
30 year 6.750% 6.815%
20 year 6.500% 6.563%
15 year 6.000% 6.235%
10 year 5.875% 6.116%
7 year N/A N/A
5 year N/A N/A
*APR= Annual Percentage Rate
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.
TERM
30 year
RATE AS LOW AS
6.750%
APR*
6.815%
TERM
20 year
RATE AS LOW AS
6.500%
APR*
6.563%
TERM
15 year
RATE AS LOW AS
6.000%
APR*
6.235%
TERM
10 year
RATE AS LOW AS
5.875%
APR*
6.116%
TERM
7 year
RATE AS LOW AS
N/A
APR*
N/A
TERM
5 year
RATE AS LOW AS
N/A
APR*
N/A
*APR= Annual Percentage Rate
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.

Adjustable Mortgage Rates¹

Rates as of Jul 23, 2024 ET.

TERM RATE AS LOW AS APR*
5 Year ARM² (First Time Homebuyer) 7.250% 8.510%
7 year ARM 7.000% 8.354%
1 year ARM N/A N/A
3 year ARM 6.500% 7.662%
5 year ARM 6.750% 8.037%
*APR= Annual Percentage Rate
1.Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.
TERM
5 Year ARM² (First Time Homebuyer)
RATE AS LOW AS
7.250%
APR*
8.510%
TERM
7 year ARM
RATE AS LOW AS
7.000%
APR*
8.354%
TERM
1 year ARM
RATE AS LOW AS
N/A
APR*
N/A
TERM
3 year ARM
RATE AS LOW AS
6.500%
APR*
7.662%
TERM
5 year ARM
RATE AS LOW AS
6.750%
APR*
8.037%
*APR= Annual Percentage Rate
1.Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.

Home Equity Line of Credit¹

Rates as of Jul 23, 2024 ET.

Rate as low as 8.250% APR*
*APR = Annual Percentage Rate
1. Upon approved credit. As low as rate is based on financing 80% or less CLTV (combined loan to value) and an individual credit score of 760+. The APR is variable and may change quarterly; rate is based upon the Index plus a Margin. Rate cannot increase or decrease by more than 2.00% in each calendar year. Annual Fee: $35.00 each year following the day that your account is established, fee is waived for HELOC in 1st lien position or in which Cinfed holds a 1st lien position on the secured property. Early Termination Fee: If loan is paid and closed within 36 months of being established, You must reimburse the lessor of $115.00 or the actual fees and charges paid by Cinfed on your behalf to third parties in order to establish the line of credit.
Rate as low as 8.250% APR*
*APR = Annual Percentage Rate
1. Upon approved credit. As low as rate is based on financing 80% or less CLTV (combined loan to value) and an individual credit score of 760+. The APR is variable and may change quarterly; rate is based upon the Index plus a Margin. Rate cannot increase or decrease by more than 2.00% in each calendar year. Annual Fee: $35.00 each year following the day that your account is established, fee is waived for HELOC in 1st lien position or in which Cinfed holds a 1st lien position on the secured property. Early Termination Fee: If loan is paid and closed within 36 months of being established, You must reimburse the lessor of $115.00 or the actual fees and charges paid by Cinfed on your behalf to third parties in order to establish the line of credit.

Conventional Auto Loans

Rates as of Jul 23, 2024 ET.

LOAN TYPE Up to 63 months
With Autopay Discount
64-72¹ months
With Autopay Discount
76-84² months
With Autopay Discount
2022—Newer 6.990% APR* 7.490% APR* 8.490% APR*
2019—2021 7.990% APR* 8.490% APR* 9.490% APR*
2018 & Older 8.740% APR* N/A N/A
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicants qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
LOAN TYPE
2022—Newer
Up to 63 months
With Autopay Discount

6.990% APR*
64-72¹ months
With Autopay Discount

7.490% APR*
76-84² months
With Autopay Discount

8.490% APR*
LOAN TYPE
2019—2021
Up to 63 months
With Autopay Discount

7.990% APR*
64-72¹ months
With Autopay Discount

8.490% APR*
76-84² months
With Autopay Discount

9.490% APR*
LOAN TYPE
2018 & Older
Up to 63 months
With Autopay Discount

8.740% APR*
64-72¹ months
With Autopay Discount

N/A
76-84² months
With Autopay Discount

N/A
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicants qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.

Flex Auto Loans

Rates as of Jul 23, 2024 ET.

LOAN TYPE Up to 63 months
With Autopay Discount
64-72¹ months
With Autopay Discount
2022—Newer 7.990% APR* 8.490% APR*
2019—2021 8.990% APR* 9.490% APR*
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 7.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicants qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
LOAN TYPE
2022—Newer
Up to 63 months
With Autopay Discount

7.990% APR*
64-72¹ months
With Autopay Discount

8.490% APR*
LOAN TYPE
2019—2021
Up to 63 months
With Autopay Discount

8.990% APR*
64-72¹ months
With Autopay Discount

9.490% APR*
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 7.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicants qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.

Boats, Motorcycles, RVs, Tractors

Rates as of Jul 23, 2024 ET.

LOAN TYPE Up to 63 months
APR* as low as
64-75 months
APR* as low as
76-84 months
APR* as low as
85-96¹ months
APR* as low as
97+ months
APR* as low as
N/A 7.990% 8.99% 9.990% 11.990% 13.990%
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K
LOAN TYPE
N/A
Up to 63 months
APR* as low as

7.990%
64-75 months
APR* as low as

8.99%
76-84 months
APR* as low as

9.990%
85-96¹ months
APR* as low as

11.990%
97+ months
APR* as low as

13.990%
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K

General Loans

Rates as of Jul 23, 2024 ET.

ACCOUNT TYPE MAXIMUM TERM RATE (APR)*
Signature 48 Months As low as 11.490%¹
Signature 60 Months As low as 12.490%¹
Share Secured Loan 60 Months Share rate plus 3.000%²
Certificate Secured Loan 60 Months Certificate rate plus 3.000%³
K-12 Tuition Loan⁴ 12 Months As low as 9.490%
Ready Cash Account⁵ Line of credit As low as 11.490%
30/60/90/180 Day Note Up to 180 days As low as 11.490%
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. Maintain a balance in your Main Share savings account that is equal to the balance of your loan. As you pay down the loan, fewer shares are required to be secured.
3. Maximum term available equal to remaining term on certificate securing balance of loan.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.
ACCOUNT TYPE
Signature
MAXIMUM TERM
48 Months
RATE (APR)*
As low as 11.490%¹
ACCOUNT TYPE
Signature
MAXIMUM TERM
60 Months
RATE (APR)*
As low as 12.490%¹
ACCOUNT TYPE
Share Secured Loan
MAXIMUM TERM
60 Months
RATE (APR)*
Share rate plus 3.000%²
ACCOUNT TYPE
Certificate Secured Loan
MAXIMUM TERM
60 Months
RATE (APR)*
Certificate rate plus 3.000%³
ACCOUNT TYPE
K-12 Tuition Loan⁴
MAXIMUM TERM
12 Months
RATE (APR)*
As low as 9.490%
ACCOUNT TYPE
Ready Cash Account⁵
MAXIMUM TERM
Line of credit
RATE (APR)*
As low as 11.490%
ACCOUNT TYPE
30/60/90/180 Day Note
MAXIMUM TERM
Up to 180 days
RATE (APR)*
As low as 11.490%
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. Maintain a balance in your Main Share savings account that is equal to the balance of your loan. As you pay down the loan, fewer shares are required to be secured.
3. Maximum term available equal to remaining term on certificate securing balance of loan.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.

Commercial

Rates as of Jul 23, 2024 ET.

Contact Us For Current Commercial Loan Rates EMAIL PHONE NUMBER
nsundrup@cinfed.com 513-333-3894
Contact Us For Current Commercial Loan Rates
EMAIL
nsundrup@cinfed.com
PHONE NUMBER
513-333-3894

Savings

Rates as of Jul 23, 2024 ET.

Super Share** APY* DIVIDEND RATE
$1,000,000 and above 3.500% 3.445%
$500,000 - $999,999 3.250% 3.203%
$100,000 - $499,999 3.000% 2.960%
$50,000 - $99,999 2.500% 2.472%
Below $50,000 2.250% 2.227%
Christmas Club 0.050% 0.050%
Main Share 0.050% 0.050%
Go Account 0.050% 0.050%
Kasasa Saver 2.250% 2.227%
Kasasa Saver Non-Qualified 0.050% 0.050%
IRA Passbook 0.500% 0.499%
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
Super Share**
$1,000,000 and above
APY*
3.500%
DIVIDEND RATE
3.445%
Super Share**
$500,000 - $999,999
APY*
3.250%
DIVIDEND RATE
3.203%
Super Share**
$100,000 - $499,999
APY*
3.000%
DIVIDEND RATE
2.960%
Super Share**
$50,000 - $99,999
APY*
2.500%
DIVIDEND RATE
2.472%
Super Share**
Below $50,000
APY*
2.250%
DIVIDEND RATE
2.227%
Super Share**
Christmas Club
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share**
Main Share
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share**
Go Account
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share**
Kasasa Saver
APY*
2.250%
DIVIDEND RATE
2.227%
Super Share**
Kasasa Saver Non-Qualified
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share**
IRA Passbook
APY*
0.500%
DIVIDEND RATE
0.499%
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.

Health Savings Account (HSA)

Rates as of Jul 23, 2024 ET.

ACCOUNT TYPE APY* DIVIDEND RATE
Health Savings Main Share 0.050% 0.050%
Health Savings Account Checking (HSA) 2.000% 1.982%
*APY = Annual Percentage Yield
ACCOUNT TYPE
Health Savings Main Share
APY*
0.050%
DIVIDEND RATE
0.050%
ACCOUNT TYPE
Health Savings Account Checking (HSA)
APY*
2.000%
DIVIDEND RATE
1.982%
*APY = Annual Percentage Yield

Checking

Rates as of Jul 23, 2024 ET.

ACCOUNT TYPE APY* DIVIDEND RATE Minimum Balance
Kasasa Cash®
Up to $20,000
3.000% 2.960% No minimum balance
Kasasa Cash®
Over $20,000
0.500% 0.499% No minimum balance
*APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 3.00%; and balances over $20,000 receive APY of 0.50% on the portion of balance over $20,000, resulting in a range from 3.00% to 0.92% APY depending on the account's balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa checking & saver per social security number.
ACCOUNT TYPE
Kasasa Cash®
Up to $20,000
APY*
3.000%
DIVIDEND RATE
2.960%
Minimum Balance
No minimum balance
ACCOUNT TYPE
Kasasa Cash®
Over $20,000
APY*
0.500%
DIVIDEND RATE
0.499%
Minimum Balance
No minimum balance
*APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 3.00%; and balances over $20,000 receive APY of 0.50% on the portion of balance over $20,000, resulting in a range from 3.00% to 0.92% APY depending on the account's balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa checking & saver per social security number.

Credit Cards¹

Rates as of Jul 23, 2024 ET.

Card Type Rate (APR)²
Cinfed Essentials Mastercard 12.150% - 18.000%
Cinfed Platinum Mastercard 14.150% - 18.000%
Cinfed World Mastercard 16.990% - 18.000%
Cinfed Mastercard Businesscard 14.150% - 18.000%
1. Credit card rate determined at account opening based on credit worthiness. After that, your rate will vary with market based on the Prime Rate. Annual fees may apply based on credit history.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.
Card Type
Cinfed Essentials Mastercard
Rate (APR)²
12.150% - 18.000%
Card Type
Cinfed Platinum Mastercard
Rate (APR)²
14.150% - 18.000%
Card Type
Cinfed World Mastercard
Rate (APR)²
16.990% - 18.000%
Card Type
Cinfed Mastercard Businesscard
Rate (APR)²
14.150% - 18.000%
1. Credit card rate determined at account opening based on credit worthiness. After that, your rate will vary with market based on the Prime Rate. Annual fees may apply based on credit history.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.

18-Month Bump Up Certificate* (Special Ended 12/31/22)

Rates as of Jul 23, 2024 ET.

AVAILABLE TERM APY* RATE
2022 Certificate Bump Up 4.500% 4.426%
* APY = Annual Percentage Yield. Bump Up Certificate Special ended on 12/31/22 and is no longer available for new issue. 2022 Bump Up Certificate owners must initiate bump request. Request can be submitted in person, by email, mail or digital banking message. New dividend rate and APY will be in effect for the remainder of the term. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal.
AVAILABLE TERM
2022 Certificate Bump Up
APY*
4.500%
RATE
4.426%
* APY = Annual Percentage Yield. Bump Up Certificate Special ended on 12/31/22 and is no longer available for new issue. 2022 Bump Up Certificate owners must initiate bump request. Request can be submitted in person, by email, mail or digital banking message. New dividend rate and APY will be in effect for the remainder of the term. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal.