Savings

Regular Savings

You are automatically assigned a basic savings account with your membership. A minimum $5.00 share balance is required to keep your savings account active. You may make deposits to your savings account by automatic payroll deduction, ACH deposits, cash or check.

Club Accounts

Christmas Club

Christmas shopping can be very expensive so now you can be better prepared! Through the convenience of payroll deduction, you can save all year long and on November 1st, the Christmas Club funds will be disbursed to you and then your holiday shopping fun can begin!

**Please note an early withdrawal penalty of $5.00 will be charged each time a withdrawal is made before Nov 1st

$2500 Club

A minimum of $2,500 balance is required in order to earn the higher savings account interest rate. If the balance falls below $2,500, the account will earn the same rate as the Regular Savings rate.

Savings Certificates

We offer 6 mo, 12 mo, 18 mo and 24 mo CD's. Minimum opening balance required is $1,500. You have 7 days after maturity to redeem the CD without a penalty.

Payroll Deduction

We make it convenient for our members to save and make their loan payments through the ease of payroll deduction. Your money comes straight to the credit union so you never have to worry about making your loan payments on time or saving for a rainy day!

Payroll Deduction Form

Federal Insurance

Rest assured that your money in your CCTFCU savings account is protected and insured by the National Credit Union Administration (NCUA) for up to $250,000.

National Credit Union Administration

For more information about NCUA, click here

View Share Rates

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Account Type Minimum Opening Deposit Minimum Bal to Earn APY Dividend Rate APY
Regular Share Acct $5.00 $5.00 0.10% 0.10%
$2,500 Club Acct $2,500.00 $2,500.00 0.20% 0.20%
Christmas Club Acct - - 0.25% 0.25%
Terms Dividend Rate Annual Percentage Yield
Certificate of Deposits
*Minimum Opening Deposit – $1,500
*Dividends Credited – Monthly		 *Dividends Compounded – Monthly
6 month 2.00% 2.018%
12 month 3.75% 3.815%
18 month 3.25% 3.298%
24 month 3.00% 3.041%
Year Models 2024-2025 APR
48 months 6.10%
60 months 6.25%
66 months 6.50%
72 months 6.75%
84 months 7.25%
Year Models 2022-2023 APR
48 months 6.50%
60 months 6.75%
66 months 7.00%
72 months 7.25%
84 months ($25,000 minimum) 7.70%
Year Models 2020-2021 APR
48 months 7.50%
60 months 7.75%
66 months 8.00%
72 months ($20,000 minimum) 8.25%
Year Models 2018-2019 APR
36 months 7.25%
48 months 7.75%
60 months 8.25%
66 months 8.75%
Year Model 2017 APR
24 months 7.75%
36 months 8.00%
48 months 8.25%
60 months ($15,000 minimum) 8.75%
Year Models 2016 & Older APR
24 months 8.50%
30 months 8.75%
36 months 9.00%
48 months ($15,000 minimum) 9.25%

Recreational Vehicles

(i.e. Boats, Jet Skis, ATVs, Campers, Motor Homes, etc)

Term APR
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%
84 months 9.50%
120 months 10.00%
*Can only go 120 months if over $25,000*

Motorcycles, Tractors & Lawn Mowers

Term (Months) APR
36 months 8.25%
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%