Deposit Rates

Save BIG with a variety of options. To learn more about our deposit products call us at 1.800.807.0766 or visit your local branch.

Open Account

Personal Checking Accounts

Product	Dividend Rate	APY
Value Checking	0.05%	0.05%
Prestige Checking	0.10%	0.10%
Basic Checking	0.00%	0.00%

Rates effective as of 6/30/2015. Rates and fees may change after account is opened. To earn the stated Prestige account rate, member must maintain $5,000 combined balance in savings, checking, Money Market, IRA, or Share Certificates.

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Business Checking Accounts

Product	Dividend Rate	APY
Basic Checking	0.00%	0.00%
Value Checking	0.05%	0.05%
Prestige Checking	0.10%	0.10%

Rates effective as of 1/1/2019. Rates and fees may change after account is opened.

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Money Market Products

Product	Dividend Rate	APY
up to $999.99	0.00%	0.00%
$1,000 to $9,999.99	0.10%	0.10%
$10,000 to $24,999.99	0.20%	0.20%
$25,000 to $49,999.99	0.25%	0.25%
$50,000 +	0.30%	0.30%

Rates effective as of 10/26/2020. Money market rates are variable and may change after account is open. Allows up to a total of six withdrawals/transfers per calendar month by online, phone or fax request, only three of which can be made by check or debit card.

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Savings Accounts

For Share Savings, Business Savings, Custodial Accounts, Estate Accounts, Agency Accounts, & Trust Accounts.

Amount	Dividend Rate	APY
Up to $49.99	0.00%	0.00%
$50- $9999.99	0.05%	0.05%
$10,000 and above	0.10%	0.10%

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Kidds Plus Savings and Christmas Club

Amount	Dividend Rate	APY
KIDDS Plus	0.10%	0.10%
Up to $4.99	0.00%	0.00%
$5 and above	0.10%	0.10%
Christmas Club
Up to $49.99	0.00%	0.00%
$50 and above	0.10%	0.10%

Rate effective as of 6/30/2015. Member must maintain minimum balance of $50 to earn dividends in savings accounts listed above except Kidds Plus accounts in which a $5 balance must be maintained to earn dividends. Rates can change after account opening.

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Share Certificates

Product	Dividend Rate	APY
$500 minimum to open
90 Days	0.05%	0.05%
180 Days	0.15%	0.15%
9 Months	0.25%	0.25%
12 months	0.40%	0.40%
18 months	0.45%	0.45%
24 months	0.50%	0.50%
36 months	0.55%	0.55%
48 months	0.60%	0.60%
60 months	0.65%	0.65%
$10,000 Minimum to open
90 Days	0.15%	0.15%
180 Days	0.25%	0.25%
9 Months	0.35%	0.35%
12 months	0.50%	0.50%
18 months	0.55%	0.55%
24 months	0.60%	0.60%
36 months	0.65%	0.65%
48 months	0.70%	0.70%
60 months	0.75%	0.75%

Rates effective as of 10/26/2020. Early withdrawal penalties may apply.

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IRA Share Products

Product	Dividend Rate	APY
IRA Shares	0.10%	0.10%
Roth Conv	0.10%	0.10%
Roth Regular	0.10%	0.10%
Educational Shares	0.10%	0.10%

Rates effective as of 6/30/2015. Early withdrawal penalties may apply. Minimum deposit to earn stated rate is $100.

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Traditional IRA Certificates

Product	Dividend Rate	APY
$500 Minimum to open
12 month	0.40%	0.40%
18 month	0.45%	0.45%
24 month	0.50%	0.50%
36 month	0.55%	0.55%
48 month	0.60%	0.60%
60 month	0.65%	0.65%
$10,000 Minimum to open
12 month	0.50%	0.50%
18 month	0.55%	0.55%
24 month	0.60%	0.60%
36 month	0.65%	0.65%
48 month	0.70%	0.70%
60 month	0.75%	0.75%

Rates effective as of 10/26/2020. Early withdrawal penalties may apply. Rate may change after account is open.

*APY = Annual Percentage Yield. Rates subject to change without notice. Fees and penalties may reduce earnings. Membership eligibility may be required. Please call us at 1-800-807-0766 for current rates & fees or contact a First Flight representative for further information and full disclosures.