Island rates: up to 5.00% APY
credit union · NCUA CHARTER 10023 · www.islandfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Five Youth Savings (Ages 16 and Under) | 5.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | 0.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings – Traditional & Roth | 0.20% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Vacation Club or Holiday Club | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3 Month Certificate | 3 months | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | 6 months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month Certificate - Promotional Rate | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month Certificate Special | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | 1 year | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 Month Certificate - Promotional Rate | 13 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 13-Month Certificate | 13 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | 2 years | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 36-Month Certificate | 3 years | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | 4 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | 5 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Gold | Tier 1 $50,000 - $99,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Gold | Tier 2 $100,000 - $249,999.99 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Gold | Tier 3 $250,000 - $499,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Gold | Tier 4 $500,000 - $999,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Gold | Tier 5 $1,000,000 & Over | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | Balances over $2,500 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Cash Back Checking Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Teen Checking (ages 10-16) | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.islandfcu.org/savings/ | — | extract-failed | |
| www.islandfcu.org/certificates/ | 2026-11-01 21:04 UTC | ok | 0b596ff082ee |
| www.islandfcu.org/rates/ | 2026-11-01 21:04 UTC | ok | 9e405ef73513 |