Deposit Rates
Rates current as of March 2026
Savings
| Product | Minimum to Earn | APY* | |
|---|---|---|---|
| Regular Savings/Share | $100 | 0.20% | Open Now |
| IRA Savings (Traditional) | $250 | 0.50% | Open Now |
| IRA Savings (Roth) | $250 | 0.50% | Open Now |
| Holiday Helper | $100 | 0.25% | Open Now |
*Annual Percentage Yield. All rates subject to change without notice. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings. Rates subject to change without notice.
Checking
| Product | Minimum to Earn | APY* | |
|---|---|---|---|
| Regular Checking ** | $2,500 | 0.10% | Open Now |
| Money Market | $2,500 + | 1.45% | Open Now |
| Money Market | $25,000 + | 1.55% | Open Now |
| Money Market | $50,000 + | 1.65% | Open Now |
| Money Market | $100,000 + | 1.75% | Open Now |
*Annual Percentage Yield. Minimum opening deposit required, please see disclosure for details. Fees may reduce earnings. Rates subject to change without
notice.
**You will earn the Prospective Annual Percentage Yield corresponding to the highest
daily balance attained each day of the dividend period on the entire balance of your account.
CDs, Roth IRA and IRA Certificates
| Term | APY* | |
|---|---|---|
| 6 Months (regular CD only) | 3.60% | Learn More |
| 12 Months | 3.60% | Learn More |
| 24 Months | 3.50% | Learn More |
| 36 Months | 3.50% | Learn More |
| 48 Months | 3.40% | Learn More |
| 60 Months | 3.40% | Learn More |
*Annual Percentage Yield. Minimum balance to open and earn for Regular and IRA Certificates is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings, please see disclosure. Rates subject to change without notice.
Member funds in City CU accounts are federally protected up to $250,000 by the National Credit Union Insurance Fund (NCUSIF) which is administered by NCUA, the National Credit Union Association.
Business Savings
| Product | Minimum to Earn | APY* |
|---|---|---|
| Association Savings | $100 | 0.20% |
| Business Savings | $500 | 0.20% |
*Annual Percentage Yield. A penalty may be imposed for early withdrawal of funds. Minimum opening deposit required; please see disclosure for details. Fees may reduce earnings. Rates subject to change without notice.
Business Checking
| Product | Minimum to Earn | APY* |
|---|---|---|
| Business Money Market | $2,500 + | 1.45% |
| Business Money Market | $25,000 + | 1.55% |
| Business Money Market | $50,000 + | 1.65% |
| Business Money Market | $100,000 + | 1.75% |
| Association Checking | N/A | N/A |
| Business Checking | N/A | N/A |
| Business Interest Checking | $2,500 | 0.10% |
*Annual Percentage Yield. Fees may reduce earnings. Minimum opening deposit required; please see disclosure for details. Rates subject to change without notice.
Business Certificates
| Term | APY* |
|---|---|
| 12 Months | 3.60% |
| 24 Months | 3.50% |
| 36 Months | 3.50% |
| 48 Months | 3.40% |
| 60 Months | 3.40% |
*Annual Percentage Yield. Minimum balance to open and earn for Regular Certificates is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Fees may reduce earnings; please see disclosure for details. Rates subject to change without notice.