Deposit Rates

*Checking Accounts are variable rate accounts that use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day.
**APY = Annual Percentage Yield.
¹Other restrictions may apply. View our checking accounts comparison page for more details.

*Savings Accounts are variable rate accounts that use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. If at any time your Regular Share Account balance is below $500, you have no other active loan or share accounts on your membership and there has been no activity on your account other than the postings of dividends in the past year, your account will be assessed a quarterly $10 inactivity fee. If your Regular Share account balance reaches $0, the account will be closed. If at any time your Wealth Management Account balance goes below $2,500, your dividend rate will become 0.03% with a 0.03% APY. Dividends will continue to be paid monthly. You are required to have a checking account with CommonWealth in order to open a Wealth Management Account.
**APY = Annual Percentage Yield.

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^**APY=Annual Percentage Yield. Get to Know You Savings offer only available to new members during the first 60 days from the date of opening a membership account. Fees may reduce earnings. Minimum deposit required to open Get to Know You Savings is $50. Rates are variable and subject to change at any time. Limit one Get to Know You Savings account per member. Offer is subject to cancellation without notice and cannot be combined with any other offer.

*Money Management Accounts are variable rate accounts that use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. If at any time your Money Management balance falls below $2,500, your dividend rate will become 0.03% with a 0.03% APY. Dividends will continue to be paid monthly.
**APY = Annual Percentage Yield.

For A Limited Time Only!

Earn the highest rates possible with an insured account. Your deposits are insured to at least $250,000 through the National Credit Union Administration (NCUA). (Individual Retirement Accounts up to an additional $250,000.)

• Traditional Certificates are available with a minimum deposit of $500.
• 12-month Certificates allow you to make additional deposits throughout the term--with no limit to the number of deposits you can make (minimum deposit amounts of $100).

Choose a term of three months to four years. Deposit at least the minimum amount, and then watch your money grow.

*APY = Annual Percentage Yield. Share Certificates use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly

¹Special Certificate - For new money only. Funds must not currently be deposited with CommonWealth. This is a 7-month single term certificate and will NOT automatically renew at maturity. The funds will be transferred to your Regular Share Account at maturity and will earn dividends at the prevailing Regular Share dividend rate. Minimum Balance to open account and earn APY is $500. The maximum deposit limit is $250,000. After your certificate is opened you may not make additional deposits to the certificate. Share Certificates use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. Limit one Special Share Certificate per member. Cannot be combined with any other Special Share Certificate.

²Welcome Certificate - For new members only and must be opened within 15 days of membership. Funds must not currently be deposited with CommonWealth. This is a 11-month single term certificate and will NOT automatically renew at maturity. The funds will be transferred to your Regular Share Account at maturity and will earn dividends at the prevailing Regular Share dividend rate. Minimum Balance to open account and earn APY is $500. The maximum deposit limit is $250,000. After your certificate is opened you may not make additional deposits to the certificate. Share Certificates use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. Limit one Welcome Share Certificate per member. Cannot be combined with any other Special Share Certificate.

³Anniversary Certificate - This is a 21-month single term certificate and will NOT automatically renew at maturity. The funds will be transferred to your Regular Share Account at maturity and will earn dividends at the prevailing Regular Share dividend rate. Minimum balance to open account and earn APY is $500. The maximum deposit limit is $250,000. After your certificate is opened you may not make additional deposits to the certificate. Anniversary Certificates use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. Limit one Anniversary Share Certificate per member. Cannot be combined with ant other Special Share Certificate.

^*APY = Annual Percentage Yield. IRAs use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly.