Account Rates

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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
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	2.00%	2.01%
	$250,000 - $499,999	1.70%	1.71%
	$100,000 - $249,999	1.50%	1.51%
	$25,000 - $99,999	1.00%	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	$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 Disclosures or Rates for more account information.

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

Term	Rate	APY
6 months	1.80%	1.81%
9 months	1.90%	1.91%
12 months	2.00%	2.01%
18 months	2.10%	2.12%
24 months	2.20%	2.22%
30 months	2.30%	2.32%
36 months	2.40%	2.42%
48 months	2.50%	2.52%

Regular and IRA Certificates $25,000 or more

Term	Rate	APY
6 months	1.85%	1.86%
9 months	1.95%	1.96%
12 months	2.05%	2.06%
18 months	2.15%	2.17%
24 months	2.25%	2.27%
30 months	2.35%	2.37%
36 months	2.45%	2.47%
48 months	2.55%	2.58%

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. Non-Promotional term certificates require $1,000 minimum to open. See Membership Disclosures or Rates for more account information.

Stash Your Cash Add-on Certificates $100 or more

Term	Rate	APY
6 month	1.70%	1.71%
12 month	1.90%	1.91%

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. Requires a $100 minimum opening investment. Additional deposits allowed anytime after account opening ($10+), see Certificate Agreement and Disclosures for more details.

Disclosures

The Annual Percentage Rates (APR) and Annual Percentage Yields (APY) quoted are current as of 3/1/2023, 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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