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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

ProductDividend RateAPY
Value Checking0.05%0.05%
Prestige Checking0.10%0.10%
Basic Checking0.00%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.


Business Checking Accounts

ProductDividend RateAPY
Basic Checking0.00%0.00%
Value Checking0.05%0.05%
Prestige Checking0.10%0.10%

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


Money Market Products

ProductDividend RateAPY
up to $999.990.00%0.00%
$1,000 to $9,999.990.10%0.10%
$10,000 to $24,999.990.20%0.20%
$25,000 to $49,999.990.30%0.30%
$50,000 +0.40%0.40%

Rates effective as of 8/3/2020. 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.


Savings Accounts

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

AmountDividend RateAPY
  Up to $49.990.00%0.00%
  $50- $9999.990.05%0.05%
  $10,000 and above0.10%0.10%

Kidds Plus Savings and Christmas Club

AmountDividend RateAPY
KIDDS Plus0.10%0.10%
  Up to $4.990.00%0.00%
  $5 and above0.10%0.10%
Christmas Club
  Up to $49.990.00%0.00%
  $50 and above0.10%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.


Share Certificates

ProductDividend RateAPY
$500 minimum to open
90 Days0.05%0.05%
180 Days0.15%0.15%
9 Months0.40%0.40%
12 months0.55%0.55%
18 months0.60%0.60%
24 months0.65%0.65%
36 months0.70%0.70%
48 months0.75%0.75%
60 months0.80%0.80%
$10,000 Minimum to open
90 Days0.15%0.15%
180 Days0.25%0.25%
9 Months0.50%0.50%
12 months0.65%0.65%
18 months0.70%0.70%
24 months0.75%0.75%
36 months0.80%0.80%
48 months0.85%0.85%
60 months0.90%0.90%

Rates effective as of 8/3/2020. Early withdrawal penalties may apply.


IRA Share Products

ProductDividend RateAPY
IRA Shares0.10%0.10%
Roth Conv0.10%0.10%
Roth Regular0.10%0.10%
Educational Shares0.10%0.10%

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


Traditional IRA Certificates

ProductDividend RateAPY
$500 Minimum to open
12 month0.55%0.55%
18 month0.60%0.60%
24 month0.65%0.65%
36 month0.70%0.70%
48 month0.75%0.75%
60 month0.80%0.80%
$10,000 Minimum to open
12 month0.65%0.65%
18 month0.70%0.70%
24 month0.75%0.75%
36 month0.80%0.80%
48 month0.85%0.85%
60 month0.90%0.90%

Rates effective as of 8/3/2020. 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.

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