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Savings & Checking Rates

Share Account Rates
Effective Date: Saturday, July 21st, 2018
Account NameAnnual Percentage YieldMinimum Balance to Earn Dividends
Prime/Business Prime Share 0.05% $100.00 and above
All other Share Accounts
0.05% $100.00 and above
Insured Money Management Account 0.60%
0.65%
0.70%
$5,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 and above
IRA Share Account 0.05%
0.15%
0.20%
$100.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 and above
Elite Checking Account 0.20% Any
Interest Checking Account 0.02%
0.05%
0.10%
0.15%
$0.01 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 and above
Free Checking Account 0.00% N/A
Second Chance Checking Account 0.00% N/A
Escrow Share Account 0.05% $100.00 and above
Round Up Savings Account 5.00% Any
Christmas Club Plus+ Account 0.10%
0.20%
0.30%
$0.01 - $499.99
$500.00 - $2,499.99
$2,500.00 & above
Christmas Club Account 0.05% $100.00 and above
Kids Savings/Teen Club Account 0.05% $5.00 and above

Promotional Certificate Rates*
Effective Date: Saturday, July 21st, 2018
Must be new money not on deposit at Firelands FCU for past 90 days. Membership eligibility required. Minimum balance required to earn promo rate is $500.
TermAnnual Percentage YieldDividend Rate
36 months 2.60% 2.57%
48 months 2.80% 2.77%
60 months 3.00% 2.97%

Term Share Certificate Account Rates*
Effective Date: Saturday, July 21st, 2018
$500 minimum to open account
TermAnnual Percentage YieldDividend Rate
12 months 1.50% 1.49%
18 months 2.20% 2.18%
24 months 2.30% 2.28%
30 months 2.40% 2.38%
36 months 2.50% 2.48%
48 months 2.60% 2.57%
60 months 2.70% 2.67%

IRA Certificate Account Rates*
Effective Date: Saturday, July 21st, 2018
Traditional, Roth, and CESA Term Share Certificates
$500 minimum to open account
TermAnnual Percentage YieldDividend Rate
12 months 1.50% 1.49%
18 months 2.20% 2.18%
24 months 2.30% 2.28%
30 months 2.40% 2.38%
36 months 2.50% 2.48%
48 months 2.60% 2.57%
60 months 2.70% 2.67%


Kid's & Teen Club Term Share Certificate Rates*
Effective Date: Saturday, July 21st, 2018
$100 minimum to open account
TermAnnual Percentage YieldDividend Rate
12 months 1.50% 1.49%
24 months 2.30% 2.28%

Smart Saver - Youth Term Share Certificate Rates*
Effective Date: Saturday, July 21st, 2018
Age 0 - 12 $500 minimum to open account
Age 13 - 17 $1,000 minimum to open account
$20,000 maximum per youth
TermStated RateBonus RateAnnual Percentage Yield
12 months 1.50% Plus Age 1.50%
Ex: If child's age is 8, then (1.50% + 0.80%) Rate = 2.30%
Ex: If child's age is 15, then (1.50% + 1.50%) Rate = 3.00%

*Subject to early withdrawal penalties

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