Savings

Regular Savings

You are automatically asigned a basic savings account with your membership. A minimum $5.00 share balance is required to keep your savings account active. You may make deposits to your savings account by automatic payroll deduction, ACH deposits, cash or check.

Club Accounts

Christmas Club

Christmas shopping can be very expensive so now you can be better prepared! Through the convenience of payroll deduction, you can save all year long and on November 1st, the Christmas Club funds will be disbursed to you and then your holiday shopping fun can begin!

**Please note an early withdrawal penalty of $5.00 will be charged each time a withdrawal is made before Nov 1st


$2500 Club

A minimum of $2,500 balance is required in order to earn the higher savings account interest rate. If the balance falls below $2,500, the account will earn the same rate as the Regular Savings rate.

Savings Certificates

We offer 6 mo, 12 mo, 18 mo and 24 mo CD's. Minimum opening balance required is $1,500. You have 7 days after maturity to redeem the CD without a penalty.

Payroll Deduction

We make it convenient for our members to save and make their loan payments through the ease of payroll deduction. Your money comes straight to the credit union so you never have to worry about making your loan payments on time or saving for a rainy day!

Click here to sign up for payroll deduction (link will go to Payroll Deducation form)

Federal Insurance

Rest assured that your money in your CCTFCU savings account is protected and insured by the National Credit Union Administration (NCUA) for up to $250,000.

National Credit Union Administration

For more information about NCUA, click here


View Share Rates

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Product Rate APY Minimum Balance
Primary Savings 0.10% 0.10% $5
$2500 Club 0.15% 0.15% $2,500
Christmas Club 0.25% 0.25% n/a
6 mo CD 0.30% 0.30% $1,500
12 mo CD 0.40% 0.40% $1,500
18 mo CD 0.50% 0.50% $1,500
24 mo CD 0.60% 0.60% $1,500
Year Models 2021-2022 APR
48 months 3.35%
60 months 3.50%
66 months 3.75%
72 months 4.00%
84 months 4.50%
Year Models 2019-2022 APR
48 months 3.75%
60 months 4.00%
66 months 4.25%
72 months 4.50%
84 months ($25,000 minimum) 4.95%
Year Models 2017-2018 APR
48 months 4.75%
60 months 5.00%
66 months 5.25%
72 months ($20,000 minimum) 5.50%
Year Models 2015-2016 APR
36 months 5.50%
48 months 6.00%
60 months 6.50%
66 months 7.00%
Year Model 2014 APR
24 months 6.00%
36 months 6.25%
48 months 6.50%
60 months ($15,000 minimum) 7.00%
Year Models 2013 & Older APR
24 months 6.75%
30 months 7.00%
36 months 7.25%
48 months ($15,000 minimum) 7.50%

Motorcycles

Term (Mos) APR
48 6.00
60 6.25
66 6.50
72 6.75

Boats & RV Loans

Term (Mos) APR
48 5.50
60 5.75
66 6.00
72 6.25
84 6.50
120 (Minimum Financed Amt +$25,000) 7.00

Tractors & Lawn Mowers

Term (Mos) APR
24 5.00
36 5.25
48 5.50
60 5.75

Product Rate APY Minimum Balance
Money Market Savings 0.05% 0.05% $100
Money Market 0.05% 0.05% $500