*Effective date 01/01/2026
Regular Share Savings Account
*AFL-CIO EFCU reserves the right to change rates without advance notice. Dividends are compounded and credited quarterly**APY=Annual Percentage Yield. Minimum to earn APY is $100.01.
Holiday & Vacation Club Accounts
| Annual Balance Range | APY** | Min to Earn APY** |
|---|---|---|
| Over $5 | 0.05% | $100.01 |
*AFL-CIO EFCU reserves the right to change rates without advance notice. Dividends are compounded and credited quarterly**APY=Annual Percentage Yield. Minimum to earn APY is $100.01.
Money Market Accounts
| Annual Balance Range | APY** | Min to Earn APY** |
|---|---|---|
| $100.01 - $9,999 | 0.05% | $100.01 |
| $10,000 - $24,999 | 0.25% | $100.01 |
| $25,000 - $49,999 | 0.45% | $100.01 |
| $50,000 - $99,999 | 0.75% | $100.01 |
| $100,000 > Above | 0.90% | $100.01 |
*AFL-CIO EFCU reserves the right to change rates without advance notice. Dividends are compounded and credited quarterly**APY=Annual Percentage Yield. Minimum to earn APY on Savings is $100.01.
Individual Retirement Accounts
| Account Type | APY** | Min to Earn APY** |
|---|---|---|
| Traditional | 0.05% | $100.01 |
| Roth | 0.05% | $100.01 |
| Educational | 0.05% | $100.01 |
*AFL-CIO EFCU reserves the right to change rates without advance notice. Dividends are compounded and credited quarterly**APY=Annual Percentage Yield. Minimum to earn APY is $100.01.
Term Share Certificate Rates & IRA Share Certificate Rates (Traditional, Roth, Educational)
| Term | APY** | Min to Earn APY** | Min to Open |
|---|---|---|---|
| 6 months | 3.557% | $100.01 | $500 |
| 8 months | 3.660% | $100.01 | $500 |
| 12 months | 3.299% | $100.01 | $500 |
| 13 months | 3.557% | $100.01 | $500 |
| 22 months | 3.247% | $100.01 | $500 |
| 24 months | 3.042% | $100.01 | $500 |
| 36 months | 3.042% | $100.01 | $500 |
| 48 months | 2.018% | $100.01 | $500 |
| 60 months | 2.018% | $100.01 | $500 |
*AFL-CIO EFCU reserves the right to change rates without advance notice. Rates are fixed for the term of the certificate. Dividends are compounded and credited quarterly**APY=Annual Percentage Yield. Minimum to earn APY is $100.01. Early withdrawal penalties (a penalty may be imposed for early withdrawals before maturity) *** If your account has an original maturity of six or twelve months: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to the penalty. If your account has an original maturity of 24, 36, 48, or 60 months: The penalty we may impose will be equal to six months dividends on the amount withdrawn subject to penalty.
Minimum Deposit for Share Certificates - 6 to 60 months is $500.
Minimum Deposit for Share Certificates - 6 to 60 months is $500.