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Savings Rates

Strong savings help form your financial foundation.

We're here to help you grow financially, and that includes offering competitive rates for your checking and savings accounts. Access our fee schedule for additional details.

Savings Accounts

Declared for quarter ending September 30, 2017
APY Minimum Opening Deposit
Share Savings 0.10% $5
Christmas Savings 0.15% $1
Daily Savings IRA 0.30% $0

Specialty Savings Accounts

Prospective for December 2017
APY Minimum Opening Deposit
Preferred Savings 0.15% $1
Relationship Rewards $25,000
($10,000 of new money to Firefly; Firefly checking account required)
Tier I: $.01 - $24,999.99 0.05%
Tier II: $25,000 - $99,999.99 0.45%
Tier III: $100,000 and over 0.60%

Money Market Accounts

Prospective for December 2017
APY Minimum Opening Deposit
Tier I: $.01 to $2,499.99 0.05% $2,500
Tier II: $2,500 to $24,999.99 0.30% $2,500
Tier III: $25,000 to $49,999.99 0.40% $2,500
Tier V: $50,000 to $99,999.99 0.45% $2,500
Tier IV: $100,000 and over 0.50% $2,500

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

Savings Certificates

Effective December 1, 2017 (rates subject to change)
MAX: one-time rate adjustment available during term
Ask us about our Laddered Certificates, offering a .10% bonus to existing rates
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
91 day 0.55% $1,000 0.65% $90,000
6 month 0.60% $1,000 0.70% $90,000
12 month 0.80% $1,000 0.90% $90,000
15 month special 1.50% $1,000 N/A N/A
18 month 0.90% $500 1.00% $90,000
24 month 1.05% $500 1.16% $90,000
36 month 1.31% $500 1.41% $90,000
47 month 1.46% $500 N/A N/A
60 month 1.75% $500 1.85% $90,000
60 month special 2.00% $10,000 N/A N/A
60 month special 2.10% $25,000 N/A N/A
60 month special 2.25% $50,000 N/A N/A
12 month MAX 0.80% $1,000 0.90% $90,000
24 month MAX 1.05% $1,000 1.16% $90,000
36 month MAX 1.31% $1,000 1.41% $90,000

Minimum deposit for laddered product is $1,000 per certificate; funds do not need to be equally distributed across product. Existing Firefly CU certificates may be transferred without penalty to laddered product only.

IRA Certificates

Effective December 1, 2017 (rates subject to change)
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
12 month 0.80% $1,000 0.90% $50,000
24 month 1.05% $1,000 1.16% $50,000
36 month 1.31% $1,000 1.41% $50,000
48 month 1.46% $1,000 N/A N/A
60 month 1.75% $1,000 1.85% $50,000
15 month special 1.50% $1,000 N/A N/A
60 month special 2.00% $10,000 N/A N/A
60 month special 2.10% $25,000 N/A N/A
60 month special 2.25% $50,000 N/A N/A

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

Personal Checking

Prospective for December 2017
APY Minimum Opening Deposit
Amplified Checking
Tier I: $.01 - $24,999.99 1.50% $0
Tier II: $25,000 and over 0.20% $0
If criteria not met 0.05% $0
Free Checking & First Step Checking
Tier I: $.01 - $2,499.99 0.05% $0
Tier II: $2,500 and over 0.05% $0

Fee Schedule
To receive Amplified Tier I/Tier II rate you must meet the following requirements each month: 10 debit card purchase transactions, one direct deposit, and must be enrolled in eStatements with valid e-mail address. If the minimum requirements are not met in a statement cycle, the basic rate will apply to all balances. One account per individual. See Membership Agreements & Account Disclosures for full details.

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

Great Minnesota credit union savings rates.

Firefly CU helps you save more money with savings rates that benefit you. We offer full banking services and ATM access for your convenience while helping you open new accounts and loans, apply for mortgages, access wealth management services and strengthen your business with the right solutions.