Account Rates

Our goal is to make the numbers work for you.

We know how to make your dollars grow.

Teamwork makes the dream work- you make deposits into your Savings, Money Market, Certificate, or IRA accounts and Four Points Federal Credit Union will give you balance an added boost with competitive dividend payments. 

  • Regular dividend payments push your deposits in a positive direction. 
  • Larger dividends allow you to reach your financial goals even faster.


Savings Accounts


 
Product Amount Rate APY
Regular Share Savings, IRA Savings, Holiday Cash Savings $1,000 or more 0.20% 0.20%
Below $1,000 0.10% 0.10%
High Yield Money Market $500,000 or more 2.227% 2.25%
$250,000 - $499,999 1.736% 1.75%
$100,000 - $249,999 1.539% 1.55%
$25,000 - $99,999 .995% 1.00%
Below $25,000 0.10% 0.10%
Youth Savings $5 or more 0.20% 0.20%

Disclosures

APY is Annual Percentage Yield.


Checking Accounts


 
Product Amount Rate APY
Purchase Rewards Checking N/A 0.00% 0.00%
Premier Checking $20,000 or more* 0.20% 0.20%
Below $20,000* 4.169% 4.25%

Disclosures

*APY is Annual Percentage Yield. No dividends earned on Premier Checking if monthly criteria not met. See Membership Disclosures or Rates for more account information.


Regular and IRA Certificates

$1,000 - $24,999


 
Term Rate APY
6 months 4.650% 4.75%
9 months 4.410% 4.50%
12 months 4.169% 4.25%
18 months 3.928% 4.00%
24 months 3.687% 3.75%
30 months 3.445% 3.50%
36 months 2.96% 3.00%
48 months 2.716% 2.75%

 


Regular and IRA Certificates

$25,000 or more


 
Term Rate APY
6 months 4.698% 4.80%
9 months 4.323% 4.55%
12 months 4.092% 4.30%
18 months 3.859% 4.05%
24 months 3.626% 3.80%
30 months 3.392% 3.55%
36 months 2.920% 3.05%
48 months 2.683% 2.80%

Disclosures

APY is Annual Percentage Yield. $1,000 minimum to open non-promotional Term Certificates. Penalty for early withdrawal of regular and add-on certificates is 90 days dividends for terms 12 months or less, 180 days dividends for terms greater than 12 months. Fees may reduce yield. Certificates will automatically renew at the standard Certificate rates for the same term at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details.


Choice Certificates

$10,000 or more


 
Term Rate APY
24 months 4.169% 4.25%

Disclosures

APY is Annual Percentage Yield. $10,000 minimum to open. Choice Certificates have no early withdrawal penalty six (6) days after initial account funding. Certificate will automatically renew at the standard Certificate rates and terms at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details. 


Stash Your Cash Add-on Certificates

$100 or more


 
Term Rate APY
6 month 3.687% 3.75%
12 month 3.203% 3.25%

Disclosures

APY is Annual Percentage Yield. $100 minimum to open. Penalty for early withdrawal of regular and add-on certificates is 90 days dividends for terms 12 months or less, 180 days dividends for terms greater than 12 months. Fees may reduce yield. Additional deposits of $10 minimum allowed anytime after account opening. Certificate will automatically renew at the standard Certificate rates for the same term at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details.

Disclosures

The Annual Percentage Rates (APR) and Annual Percentage Yields (APY) quoted are current as of 1/1/2024, and are subject to change anytime without notice.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

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