Cinfed rates: up to 6.00% APY
credit union · NCUA CHARTER 21930 · www.cinfed.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Health Savings Main Share | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Passbook | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| Kasasa Saver | 0 - $15,000 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Main Share | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| SaverPlus | 2.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| SaverPlus Non-Qualified | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | Below $50,000 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Great Occasion (GO) | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $50,000 – $99,999 | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100,000 – $499,999 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $500,000 – $999,999 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $1,000,000 and above | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 Months | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 Months | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 Months | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 45 Month 450 Certificate | 45 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 Months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account Checking (HSA) | 2.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Kasasa Cash | $15,000+ | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Summit Checking | Up to $10,000 | 6.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Summit Checking | Over $10,000 | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.cinfed.com/promo/45-month-450-certificate | 2026-11-01 23:44 UTC | ok | 94e2322d2adf |
| www.cinfed.com/savings/certificates | 2026-11-01 23:44 UTC | ok | 3d6d8228b1ef |