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Savings Rates

Savings & Certificate Rates

Table data for Deposit Account Rates
 Effective as of 02-10-2026
ACCOUNT TYPE 1 DIVIDEND RATE ANNUAL PERCENTAGE YIELD EFFECTIVE DATES Alert Me
Share Savings Account Dividend Rate APY 2 Effective Dates Alert Me
Share/Savings, Business Share/Savings, Individual Development Account 0.15% 0.15% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Minimum Average Daily Balance of $100 or more: Dollar Dog, The Edge & Cha Ching Youth Share/Savings 0.15% 0.15% 9/1/25 – 9/30/25 Receive a notification when this rate changes
No Minimum Average Daily Balance: Individual Retirement Account 3 0.25% .025% 7/1/25 – 9/30/25 Receive a notification when this rate changes
Checking/Share Draft Dividend Rate APY 2 Effective Dates Alert Me
Simply Checking 0.00% 0.00% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Simply More 0.00% 0.00% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Simply More ($2,500–$4,999) 4 0.10% 0.10% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Simply More ($5,000) 4 0.125% 0.125% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Business Premier ($7,500+) 0.10% 0.10% 9/1/25 – 9/30/25 Receive a notification when this rate changes
High Yield/Business High Yield Dividend Rate APY 2 Effective Dates Alert Me
High Yield/Business High Yield $300,000–$999,999 3.00% 3.04% 9/1/25 – 9/30/25 Receive a notification when this rate changes
High Yield/Business High Yield $1,000,000 3.69% 3.75% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Money Market/Business Money Market Dividend Rate APY 2 Effective Dates Alert Me
Average Daily Balance of $2,500 – $9,999 0.50% 0.50% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance of $10,000 – $24,999 0.70% 0.70% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance of $25,000 – $49,999 0.80% 0.80% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance of $50,000 – $99,999 0.85% 0.85% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance $100,000 – $249,999 1.10% 1.11% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance $250,000 – $499,999 1.10% 1.11% 9/1/25 – 9/30/25 Receive a notification when this rate changes
Average Daily Balance $500,000 + 1.15% 1.16% 9/1/25 – 9/30/25 Receive a notification when this rate changes
IRA/Share & Business Share Certificates $500–$24,999 Dividend Rate APY 2 Effective Dates Alert Me
91 day 3.01% 3.05% 9/5/25 Receive a notification when this rate changes
6 month 3.83% 3.90% 9/5/25 Receive a notification when this rate changes
1 year 3.88% 3.95% 9/5/25 Receive a notification when this rate changes
18 Months 3.69% 3.75% 9/5/25 Receive a notification when this rate changes
2 year 3.59% 3.65% 9/5/25 Receive a notification when this rate changes
2 year Changeable (Bump Up) 3.40% 3.45% 9/5/25 Receive a notification when this rate changes
30 month 5 3.35% 3.40% 9/5/25 Receive a notification when this rate changes
3 year 3.35% 3.40% 9/5/25 Receive a notification when this rate changes
4 year 3.25% 3.30% 9/5/25 Receive a notification when this rate changes
5 year 3.49% 3.55% 9/5/25 Receive a notification when this rate changes
IRA/Share Certificates & Business Share Certificates $25,000–$99,999 Dividend Rate APY 2 Effective Dates Alert Me
91 day 3.06% 3.10% 9/5/25 Receive a notification when this rate changes
6 month 3.88% 3.95% 9/5/25 Receive a notification when this rate changes
1 year 3.93% 4.00% 9/5/25 Receive a notification when this rate changes
18 Months 3.74% 3.80% 9/5/25 Receive a notification when this rate changes
2 year 3.64% 3.70% 9/5/25 Receive a notification when this rate changes
2 year Changeable (Bump Up) 3.45% 3.50% 9/5/25 Receive a notification when this rate changes
30 month 5 3.40% 3.45% 9/5/25 Receive a notification when this rate changes
3 year 3.40% 3.45% 9/5/25 Receive a notification when this rate changes
4 year 3.30% 3.35% 9/5/25 Receive a notification when this rate changes
5 year 3.54% 3.60% 9/5/25 Receive a notification when this rate changes
IRA/Share Certificates & Business Share Certificates $100,000+ Dividend Rate APY 2 Effective Dates Alert Me
91 day 3.11% 3.15% 9/5/25 Receive a notification when this rate changes
6 month 3.93% 4.00% 9/5/25 Receive a notification when this rate changes
1 year 3.98% 4.05% 9/5/25 Receive a notification when this rate changes
18 Months 3.78% 3.85% 9/5/25 Receive a notification when this rate changes
2 year 3.69% 3.75% 9/5/25 Receive a notification when this rate changes
2 year Changeable (Bump Up) 3.49% 3.55% 9/5/25 Receive a notification when this rate changes
30 month 5 3.45% 3.50% 9/5/25 Receive a notification when this rate changes
3 year 3.45% 3.50% 9/5/25 Receive a notification when this rate changes
4 year 3.35% 3.40% 9/5/25 Receive a notification when this rate changes
5 year 3.59% 3.65% 9/5/25 Receive a notification when this rate changes
Dream Builder Share Certificates 6 Dividend Rate APY 2 Effective Dates Alert Me
1 year; minimum balance $5 3.40% 3.45% 9/5/25 Receive a notification when this rate changes
2 year; minimum balance $5 2.57% 2.60% 9/5/25 Receive a notification when this rate changes
3 year; minimum balance $5 2.37% 2.40% 9/5/25 Receive a notification when this rate changes

    Rates

    Rates

    Disclosures

    1 Rates are subject to change without notice. Fees may reduce earnings. A penalty will or may be imposed for early withdrawals on share certificate accounts.

    2 APY = Annual Percentage Yield

    3 Last dividend declaration date of 01/01/2020.

    4 Amounts in () is the Minimum Average Daily Balance.

    5 The 30-month rate does not apply to Individual Retirement Accounts.

    6 Dream Builder Share Certificates require timely monthly deposits/periodic payments. Under this program, the failure to make 3 timely deposits/periodic payments will result in the termination of the certificate and we may impose an early withdrawal penalty. Any principal balance will be transferred into a share account. Does not apply to business accounts. For additional information, please call us at 1-800-351-1670 or e-mail us at cumail@firstlightfcu.org.