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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 December 31, 2018
APY Minimum Opening Deposit
Share Savings 0.10% $5
Christmas Savings 0.15% $1
Daily Savings IRA 0.30% $0
WINcentive Savings 0.10% $5

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

WINcentive® Savings is available exclusively to credit union members. Minors require a parent or guardian age 18 or older to be a legal owner on the WINcentive account. Winning one prize category (monthly, quarterly, or annual) does not disqualify a participant from winning a different prize category within the same year. Drawings will occur on or about the 10th of each month, or the next business day, for the previous month and/or quarter end. Prize amounts and number of winners are subject to change. For additional information, visit wincentivesavings.org or ask a Firefly representative for complete terms, conditions, and official rules.

Preferred Savings

Prospective for February 2019
APY Minimum Opening Deposit
Preferred Savings 0.20% $1

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

Prestige Money Market Accounts

Prospective for February 2019; $9.95 monthly fee for balances that fall below $20,000 anytime in month.
APY Minimum Opening Deposit
Tier I: $.01 - $19,999.99 0.05% $20,000
Tier II: $20,000 - $99,999.99 0.85% $20,000
Tier III: $100,000 - $249,999.99 1.11% $20,000
Tier IV: $250,000 and over 1.41% $20,000

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.

Money Market Accounts

Prospective for February 2019
APY Minimum Opening Deposit
Tier I: $.01 to $2,499.99 0.05% $2,500
Tier II: $2,500 to $24,999.99 0.45% $2,500
Tier III: $25,000 to $49,999.99 0.55% $2,500
Tier IV: $50,000 to $99,999.99 0.60% $2,500
Tier V: $100,000 and over 0.65% $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.


Relationship Rewards

Prospective for February 2019
APY Minimum Opening Deposit
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 0.70%
Tier III: $100,000 and over 0.85%

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Relationship Rewards account requires checking relationship and initial deposit must include at least $10,000 of new money (funds from outside of Firefly Credit Union). 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 January 23, 2019 (rates subject to change)
MAX: one-time rate adjustment available during term
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
91 day 1.00% $1,000 1.10% $90,000
6 month 1.05% $1,000 1.15% $90,000
12 month 1.36% $100 1.46% $90,000
18 month 1.36% $500 1.46% $90,000
19 month special 2.55% $1,000 N/A N/A
24 month 1.61% $500 1.71% $90,000
36 month 2.01% $500 2.11% $90,000
47 month 1.95% $500 N/A N/A
48 month special 2.75% $1,000 N/A N/A
60 month 2.65% $500 2.76% $90,000
12 month MAX 1.36% $1,000 1.46% $90,000
24 month MAX 1.61% $1,000 1.71% $90,000
36 month MAX 2.01% $1,000 2.11% $90,000

IRA Certificates

Effective January 23, 2019 (rates subject to change)
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
12 month 1.36% $1,000 1.46% $50,000
19 month special 2.55% $1,000 N/A N/A
24 month 1.61% $1,000 1.71% $50,000
36 month 2.01% $1,000 2.11% $50,000
48 month special 2.75% $1,000 N/A N/A
60 month 2.65% $1,000 2.76% $50,000

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 February 2019
APY Minimum Opening Deposit
Amplified Checking
Tier I: $.01 - $24,999.99 2.00% $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.