Certificate Rates

Effective Date 9/17/2021

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate 0.15% 0.20% 0.25% 0.30% 0.30%
  Annual Percentage Yield 0.15% 0.20% 0.25% 0.30% 0.30%
6 Month
  Dividend Rate 0.25% 0.30% 0.35% 0.40% 0.40%
  Annual Percentage Yield 0.25% 0.30% 0.35% 0.40% 0.40%
9 Month
  Dividend Rate 0.35% 0.40% 0.45% 0.50% 0.50%
  Annual Percentage Yield 0.35% 0.40% 0.45% 0.50% 0.50%
12 Month
  Dividend Rate 0.40% 0.45% 0.50% 0.55% 0.55%
  Annual Percentage Yield 0.40% 0.45% 0.50% 0.55% 0.55%
18 Month
  Dividend Rate 0.40% 0.45% 0.50% 0.55% 0.55%
  Annual Percentage Yield 0.40% 0.45% 0.50% 0.55% 0.55%
24 Month
  Dividend Rate 0.55% 0.60% 0.65% 0.70% 0.70%
  Annual Percentage Yield 0.55% 0.60% 0.65% 0.70% 0.70%
36 Month
  Dividend Rate 0.70% 0.75% 0.80% 0.85% 0.85%
  Annual Percentage Yield 0.70% 0.75% 0.80% 0.85% 0.85%
48 Month
  Dividend Rate 0.80% 0.85% 0.90% 0.95% 0.95%
  Annual Percentage Yield 0.80% 0.85% 0.90% 0.95% 0.95%
60 Month
  Dividend Rate 0.995% 1.045% 1.094% 1.143% 1.143%
  Annual Percentage Yield 1.00% 1.05% 1.10% 1.15% 1.15%
Boom! Certificate*
  Dividend Rate 1.094%        
  Annual Percentage Yield 1.10%        
 
1. Rates are subject to change without notice. Dividends compound monthly.
2. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends
3. *Boom! Certificate is a youth account for ages 0-19 years. Term is 24 months. Minimum opening deposit of $250. Maximum deposit of $7,500
4. All other certificate types (3, 6, 9, 12, 18, 24, 36, 48, and 60 month) have a $500 minimum opening deposit.
5. CMCU will waive the penalty for withdrawals of up to 10% of the opening balance one time during the term of a certificate
 
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