Savings Rates
Special Share Certificate Rates
| Term | Rate* | APY** |
|---|---|---|
| 13 Months | 4.17% | 4.25% |
Special Share Certificate Rate terms: APY = Annual Percentage Yield. APY accurate as of July 28. 2026. Offer subject to change or end without notice. Minimum $100 deposit required to open certificate and earn the stated APY. Dividends are compounded and credited monthly. Certificate may not automatically renew at maturity. Penalty for early withdrawal may reduce earnings; fees may reduce earnings. Membership with Pheple FCU is required to take advantage of this offer. Promotional certificate does not qualify for Legacy Member rate bump. Federally insured by NCUA.
Share Accounts
| Account Type | Rate* | APY** |
|---|---|---|
| Share Savings | 0.01% | 0.01% |
| IRA Savings | 0.05% | 0.05% |
KASASA Cash Checking (Qualifying)
| Account Type | Rate* | APY** |
|---|---|---|
| Up to $15,000.00 | 4.89% | 5.00% |
| Above $15,000.00 | 0.30% | 5.00% to .91% |
KASASA Saver (Qualifying)
| Account Type | Rate* | APY** |
|---|---|---|
| Up to $50,000.00 | 0.75% | 0.75% |
| Above $50,000.00 | 0.30% | 0.45% - 0.75% |
KASASA Cash & Saver (Non Qualifying)
| Account Type | Rate* | APY** |
|---|---|---|
| All Balances | 0.05% | 0.05% |
Money Market
| Type | Rate* | APY** |
|---|---|---|
| $500.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00 - $49.999.99 | 0.25% | 0.25% |
| $50,000.00 and over | 0.75% | 0.75% |
Share Certificates***
Legacy Member Club Benefit: earn an additional 0.15%!
| Term | Rate* | APY** |
|---|---|---|
| 12 Months | 2.72% | 2.75% |
| 36 Months | 2.23% | 2.25% |
| 60 Months | 1.98% | 2.00% |
IRA Share Certificates
Legacy Member Club Benefit: earn an additional 0.15%!
| Term | Rate* | APY** |
|---|---|---|
| 12 Months | 2.77% | 2.80% |
| 36 Months | 2.28% | 2.30% |
| 60 Months | 2.03% | 2.05% |
A minimum average daily balance of $50.00 is required to earn dividends. Fees could reduce earnings on account.
*Rate = Dividend Rate
**APY = Annual Percentage Yield
***$100.00 Minimum investment to open a share certificate and obtain the APY. Penalty for early withdrawal may reduce earnings.
For Share Accounts, KASASA Cash Checking, KASASA Saver, KASASA Cash & Saver, and Money Market accounts: Rate may change after account is opened.
Legacy Member Club is for members 60 and older.
Rates effective as of 2/01/2026.