1.50% 12 month CD Special

Savings and Money Market Rates

Dividend rates are accurate as of February 1, 2017 and are subject to change without notice. Please see the “Minimum Balance Requirements” in ( ).

  Dividend Rate APY* Term(Months)
Shares ($0.00 – $999.99) 0.00% 0.00% n/a
Shares ($1,000.00 – $9,999.99) 0.05% 0.05% n/a
Shares ($10,000.00 – $24,999.99) 0.05% 0.05% n/a
Shares ($25,000.00 – $49,999.99) 0.05% 0.05% n/a
Shares ($50,000.00 and over) 0.05% 0.05% n/a
IRA 0.65% 0.65% n/a
Christmas Club 0.25% 0.25% n/a
Castle Kids Club 0.25% 0.25% n/a
Mortgage Escrow 0.05% 0.05% n/a
Money Market Account ($1.00 – $1,999.99) n/a n/a n/a
Money Market Account ($2,000.00 – $9,999.99) 0.25% 0.25% n/a
Money Market Account ($10,000.00 – $24,999.99) 0.35% 0.35% n/a
Money Market Account ($25,000.00 – $49,999.99) 0.45% 0.45% n/a
Money Market Account ($50,000.00 +) 0.55% 0.55% n/a

* Annual Percentage Yield (APY) is accurate as of  February 1, 2017.  Share Accounts are variable rate accounts and rates are subject to change without notice after the accounts is opened. Fees may reduce earnings on share accounts and early withdrawal penalties may apply on share certificate accounts. Contact an employee for further information about applicable fees and terms. First Castle Federal Credit Union is federally insured by the National Credit Union Administration.

Share/IRA Certificates Rates

Dividend rates are accurate as of February 1, 2017 and are subject to change without notice.

Minimum Balance Requirements $500.00 & Over

  Dividend Rate APY*
6 months 0.55% 0.55%
1 year 1.00% 1.00%
2 years 1.29% 1.30%
3 years 1.49% 1.50%
4 years 1.49% 1.50%
5 years 1.74% 1.75%

*APY = Annual Percentage Yield. Early withdrawal penalties may apply on Share Certificate accounts. Advertised rates are subject to change and are fixed for the term of the certificate. Certificate dividends compound and post monthly.

Read More About Kasasa Saver Accounts

Wouldn’t it be great if saving was easier? With free Kasasa Saver®, it is! This account links to your free Kasasa Cash® or Kasasa Cash Back® checking to help you save effortlessly. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Plus, Kasasa Saver pays up to 1.00% APY* on your daily collected balance!

Read more about our Kasasa Saver product here. 

 

*Kasasa Saver Qualification Information: 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. 

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s). Kasasa Saver: Balances up to $10,000 receive APY of 1.00%; and balances over $10,000 earn 0.25% APY* interest rate on the portion of balance over $10,000, resulting in a range from 0.32% to 1.00% APY* depending on the account’s balance. 

Rewards will be credited to your account on the first business day of the following statement cycle. Rates and rewards are variable and may change after account is opened. 

When Kasasa Cash or Kasasa Cash Back qualifications are not met, all balances in a Kasasa Saver account earn 0.01% APY*.

When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. *APY = Annual Percentage Yield. APYs accurate as of May 2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. No minim

um deposit is required to open the account.  To qualify for Rewards in a Monthly Qualifications Cycle, you must have 12 debit card transactions, be enrolled in eStatement, and login to online banking once during the Monthly Qualification Cycle, which is one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. 

Limit [1] account(s) per social security number. Fees may reduce earnings. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.

There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA

National Credit Union Association