Account Rates

Our goal is to make the numbers work for you.

We know how to make your dollars grow.

It's the ultimate in teamwork. You make deposits into your Savings, Money Market, Certificate, IRA and other accounts. And we'll do our part with dividend payments that give your balance an added boost.

  • 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
Youth Savings $5 or more 0.20% 0.20%
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 $150,000 or more 0.70% 0.70%
$100,000 - $149,999 0.55% 0.55%
$50,000 - $99,999 0.40% 0.40%
$25,000 - $49,999 0.25% 0.25%
Below $25,000 0.10% 0.10%

Disclosures

APY is Annual Percentage Yield.

Checking Accounts

Product Amount Rate APY
Purchase Rewards Checking NA 0.00% 0.00%
Premier Checking $25,000 or more* 0.20% 0.20%
Below $25,000* 1.50% 1.51%

Disclosures

*APY is Annual Percentage Yield. No dividends earned on Premier Checking if monthly criteria not met. See Membership & Account Agreement and Truth in Savings Disclosures for additional account details.

Regular and IRA Certificates $1,000-$24,999

Term Rate APY
6 months 0.15% 0.15%
9 months 0.20% 0.20%
12 months 0.30% 0.30%
18 months 0.35% 0.35%
24 months 0.40% 0.40%
30 months 0.45% 0.45%
36 months 0.50% 0.50%
48 months 0.55% 0.55%

Regular and IRA Certificates $25,000 or more

Term Rate APY
6 months 0.20% 0.20%
9 months 0.25% 0.25%
12 months 0.35% 0.35%
18 months 0.40% 0.40%
24 months 0.45% 0.45%
30 months 0.50% 0.50%
36 months 0.55% 0.55%
48 months 0.60% 0.60%

Disclosures

APY is Annual Percentage Yield. Penalty for early withdrawal is 180 days of dividends. Fees may reduce yield. See account terms and disclosures for complete details.

Stash Your Cash Add-on Certificates $100 or more

Term Rate APY
6 month 0.15% 0.15%
12 month 0.25% 0.25%

Disclosures

APY is Annual Percentage Yield. 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. After initial account opening of Add-on Certificates, additional deposits of $10 or more can be made anytime. Rates & yields quoted are current as of the effective date listed above 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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