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Citizens Equity First rates: up to 3.65% APY

credit union · NCUA CHARTER 68448 · www.cefcu.com/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Savings AccountsTIER-1 1.55%APY2026-11-01 since 2026-11-01
Savings AccountsTIER-2 1.60%APY2026-11-01 since 2026-11-01
Savings AccountsTIER-3 1.65%APY2026-11-01 since 2026-11-01
Savings Accounts 1.55%APY2026-11-01 since 2026-11-01
Savings AccountsTIER-1 1.55%APY2026-11-01 since 2026-11-01
Savings AccountsTIER-2 1.60%APY2026-11-01 since 2026-11-01
Savings AccountsTIER-3 1.65%APY2026-11-01 since 2026-11-01
Savings Accounts 1.55%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Certificate Accounts – Jumbo Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts12 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts18 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts18 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts18 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts18 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts24 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts36 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts48 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo IRA Certificate Accounts60 MONTHS 3.65%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – My Save Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – My Save Certificate Accounts12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit12 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts18 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts18 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts18 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts18 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit24 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit36 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit48 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate of Deposit60 MONTHS 3.60%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts6 MONTHS 3.45%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts6 MONTHS 3.45%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts6 MONTHS 3.45%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo HSA Certificate Accounts6 MONTHS 3.45%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts6 MONTHS 3.40%APY2026-11-01 since 2026-11-01
Certificate Accounts – Certificate Accounts6 MONTHS 3.40%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts6 MONTHS 3.40%APY2026-11-01 since 2026-11-01
Certificate Accounts – HSA Certificate Accounts6 MONTHS 3.40%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts3 MONTHS 3.35%APY2026-11-01 since 2026-11-01
Certificate Accounts – Jumbo Certificate Accounts3 MONTHS 3.35%APY2026-11-01 since 2026-11-01

Showing 80 of 86 cds rates. All of them: JSON.

Money market

ProductTerm / tierRateBasisRecordedHistoryChange
Checking Accounts – Insured Money Market AccountTIER-1 2.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-2 2.60%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-3 2.70%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-4 2.80%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-1 2.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-2 2.60%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-3 2.70%APY2026-11-01 since 2026-11-01
Checking Accounts – Insured Money Market AccountTIER-4 2.80%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Checking Accounts – Dividend CheckingTIER-1 0.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Dividend CheckingTIER-2 0.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Dividend CheckingTIER-3 0.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Dividend CheckingTIER-1 0.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Dividend CheckingTIER-2 0.50%APY2026-11-01 since 2026-11-01
Checking Accounts – Dividend CheckingTIER-3 0.50%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.cefcu.com/rates/deposit-rates.html2026-11-01 13:53 UTC okd1611dbf859c
www.cefcu.com/rates.html2026-11-01 13:53 UTC okd1611dbf859c
www.cefcu.com/my-save-certificate.html— extract-failed