Rates

High Yield Checking Account Rates

1 APY = Annual Percentage Yield. High Yield Rate checking 2.529% APY paid on balances between one penny and $25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met for Premier Account Members. 1.51% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.100% APY paid on all amounts above $25,000 each cycle the minimum requirements are met for General Account Members.   If you do not meet the direct deposit requirements you will assess a monthly direct deposit fee (see fee schedule), however, your account will function as a Value checking account earning 0.10% APY.  It will not receive ATM refunds for that period.   Rates as of January 2024. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge when requirements are met. Truth in Savings

Rates as of May 29, 2024
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
3.500%
Premier Membership APY1
3.557%
General Membership Dividend Rate
2.50%
General Membership APY1
2.529%
Premier Membership Dividend Rate
PROMO
Premier Membership APY1
7.00% for 6 Months*
General Membership Dividend Rate
General Membership APY1
Rates as of September 26, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
0.100%
Premier Membership APY1
0.100%
General Membership Dividend Rate
0.100%
General Membership APY1
0.100%
Rates as of September 26, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
0.050%
Premier Membership APY1
0.050%
General Membership Dividend Rate
0.050%
General Membership APY1
0.050%

1 APY = Annual Percentage Yield. High Yield Rate checking 2.529% APY paid on balances between one penny and $25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met for Premier Account Members. 1.51% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.100% APY paid on all amounts above $25,000 each cycle the minimum requirements are met for General Account Members.   If you do not meet the direct deposit requirements you will assess a monthly direct deposit fee (see fee schedule), however, your account will function as a Value checking account earning 0.10% APY.  It will not receive ATM refunds for that period.   Rates as of January 2024. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge when requirements are met. Truth in Savings

Open A High Yield Checking Account

High Yield Savings Account Rates ($10,000 - $100,000)

1 APY = Annual Percentage Yield. Rates are based on credit score and are subject to change without notice.

Rates as of September 26, 2023
Premier Account Dividend Rate
Premier Account APY1
General Membership Dividend Rate
General Membership APY1
Premier Account Dividend Rate
3.500%
Premier Account APY1
3.557%
General Membership Dividend Rate
n/a
General Membership APY1
n/a

1 APY = Annual Percentage Yield. Rates are based on credit score and are subject to change without notice.

Open A High Yield Savings Account

CD Rates

1 APY = Annual Percentage Yield. Rates are subject to change. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Contact memberservices@finexcu.org for CD rates greater $75,000.

Rates as of May 29, 2024
Term
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Term
6 month
Premier Membership Dividend Rate
0.950%
Premier Membership APY1
0.954%
General Membership Dividend Rate
0.750%
General Membership APY1
0.753%
Term
12 month
Premier Membership Dividend Rate
1.00%
Premier Membership APY1
1.005%
General Membership Dividend Rate
0.800%
General Membership APY1
0.803%
Term
18 month
Premier Membership Dividend Rate
0.900%
Premier Membership APY1
0.904%
General Membership Dividend Rate
0.650%
General Membership APY1
0.652%
Term
24 month
Premier Membership Dividend Rate
1.000%
Premier Membership APY1
1.005%
General Membership Dividend Rate
0.750%
General Membership APY1
0.753%
Term
36 month
Premier Membership Dividend Rate
1.20%
Premier Membership APY1
1.207%
General Membership Dividend Rate
0.950%
General Membership APY1
0.954%
Term
48 month
Premier Membership Dividend Rate
1.00%
Premier Membership APY1
1.005%
General Membership Dividend Rate
0.75%
General Membership APY1
0.753%
Term
60 month
Premier Membership Dividend Rate
1.050%
Premier Membership APY1
1.055%
General Membership Dividend Rate
0.800%
General Membership APY1
0.803%
Term
9 Month Special-NEW MONEY ONLY
Premier Membership Dividend Rate
4.750%
Premier Membership APY1
4.855%
General Membership Dividend Rate
3.300%
General Membership APY1
3.350%
Term
18 Month Special-NEW MONEY ONLY
Premier Membership Dividend Rate
3.75%
Premier Membership APY1
3.815%
General Membership Dividend Rate
N/A
General Membership APY1
N/A

1 APY = Annual Percentage Yield. Rates are subject to change. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Contact memberservices@finexcu.org for CD rates greater $75,000.

Open A CD

Money Market Account Rates

1 APY = Annual Percentage Yield.  Minimum of $2,500 to open.

Rates as of September 26, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
0.050%
Premier Membership APY1
0.050%
General Membership Dividend Rate
0.050%
General Membership APY1
0.050%
Rates as of September 26, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
0.100%
Premier Membership APY1
0.100%
General Membership Dividend Rate
0.100%
General Membership APY1
0.100%
Rates as of September 26, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
2.500%
Premier Membership APY1
2.529%
General Membership Dividend Rate
2.500%
General Membership APY1
2.529%
Rates as of December 20, 2023
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Premier Membership Dividend Rate
4.000%
Premier Membership APY1
4.074%
General Membership Dividend Rate
4.000%
General Membership APY1
4.074%

1 APY = Annual Percentage Yield.  Minimum of $2,500 to open.

Open A Money Market Account