Savings Rates

Special Share Certificate Rates

Term Rate* APY**
7 Months 3.92% 4.00%
13 Months 3.69% 3.75%

 Special Share Certificate Rate terms: APY = Annual Percentage Yield. Interest rate is 3.928% for 7 months or 3.687% for 13 months. Min. opening deposit is $100. Offer subject to change without notice. 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 0.50% 0.50%
$50,000.00 and over 1.00% 1.00%

Share Certificates***

Legacy Member Club Benefit: earn an additional 0.15%!

Term Rate* APY**
12 Months 2.96% 3.00%
36 Months 2.47% 2.50%
60 Months 1.98% 2.00%

IRA Share Certificates

Legacy Member Club Benefit: earn an additional 0.15%!

Term Rate* APY**
12 Months 3.01% 3.05%
36 Months 2.52% 2.55%
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 01/02/2025.