Pentagon Federal Credit Union, Home Equity Loans as low as 5.74%

Pentagon Federal Credit Union is offering rates as low as 5.74% apr on home equity loans with terms of up to 60 months. They are also offering rates as low as 5.99% apr on home equity loans up to 240 months with no closing costs. These are among the lowest rates for home equity loans that I have been able to find.

Field of membership in Pentagon Federal Credit Union is offered to members of a large number of select organizations. If you dont qualify for membership through any of these organizations, you can become eligible for membership in Pentagon Federal Credit Union by virtue of membership in the National Military Family Association for $20.

5.70% Digital Federal Credit Union 60 Month IRA Share Certificate

Digital Federal Credit Union is offering 5.70% apy on a 60 month IRA share certificate. You must have a Loyalty Checking Plus relationship to qualify for this rate. Those without this relationship will earn a lower rate. The minimum deposit for this certificate is $500. See site for details.

Field of membership in Digital Federal Credit Union is extended to those who live, work, worship, or attend school in certain Massachusetts and Georgia communities as well to those belonging to a number of sponsoring organizations and companies. A number of these sponsoring organizations are easy for anyone to join and are listed on Digital's website.

Navy Federal Credit Union, Auto Loan Rates as low as 3.50%

Navy Federal Credit Union currently offers a low 3.50% apr on loans up to 36 months for new or 2005-2006 late model cars. They are also offering 5.00% apr on vehicle loans from 37-72 months.

Field of membership for Navy Federal Credit Union includes all Department of the Navy Personnel among others. See site for details. Navy Federal makes it easy for eligible family of current members to apply for new accounts. You just need the name, birth date, and social security number of a current member when you apply online. You then can add any additional members who are eligible by virtue of your membership on the same application. See site for details.

Pentagon Federal Credit Union Visa Platinum Cash Rewards Card, 5% Cash Back on Gas & 1.25% Cash Back on All Other Purchases

Pentagon Federal Credit Union offers a Visa Platinum Cash Rewards Card. This card earns 5% cash back on gas when you pay at the pump and 1.25% cash back on all other purchases. There is no annual fee for this card and your cash back is credited to your account monthly. See site for terms and conditions.

Field of membership in Pentagon Federal Credit Union is offered to members of a large number of select organizations. If you dont qualify for membership through any of these organizations, you can become eligible for membership in Pentagon Federal Credit Union by virtue of membership in the National Military Family Association for $20.

6.25% Paragon Federal Credit Union 5 Year Share Certificate Special

Paragon Federal Credit Union is offering 6.25% apy on a five year share certificate special. The minimum deposit for this special is $50,000.

Field of membership is in Paragon Federal Credit Union is extended to those who live, work, worship, or attend school in Bergen or Passaic County, New Jersey, certain locations in Pennsylvania and New York, and members of certain select organizations. See link for additional details.

4.99% Justice Federal Credit Union 24-60 Month New and Used Auto Loans

Justice Federal Credit Union is offering rates as low as 4.99% apr on auto loans with terms of 24 through 60 months. This rate is good for both new and used car loans.

Field of membership in Justice FCU is open to relatives of eligible members, a variety of contractor employees, US and DC Court employees, Department of Homeland Security and Department of Justice employees and retirees, as well as members of certain Law Enforcement Associations and other eligible groups. Many should find themselves eligible for membership in Justice FCU by joining the National Legal Aid and Defender Association.

6.25% Pentagon Federal Credit Union 3,4,5, & 7 Year Share Certificates

Pentagon Federal Credit Union is offering 6.25% apy on 3, 4, 5, & 7 year share certificates. The minimum required deposit for these certificates is $1,000. These are the highest rates available to everyone in the country that I have seen advertised.

Thanks very much to the friend of the site that tipped me off to this rate offering a couple of weeks ago. If you've found a credit union deal you'd like to share, you can leave a comment on the Hot Tips link.

Field of membership in Pentagon Federal Credit Union is offered to members of a large number of select organizations. If you dont qualify for membership through any of these organizations, you can become eligible for membership in Pentagon Federal Credit Union by virtue of membership in the National Military Family Association for $20.

5.65% Chevron Valley Credit Union 5 Month Share Certificate

Chevron Valley Credit Union is offering 5.65% apy on a 5 month share certificate. The minimum deposit for this certificate is $5,000. This account comes with a one time rate step-up option if rates should rise during the term of this certificate.

Field of membership in Chevron Valley Credit Union is extended to those who live or work in Kern County, California among others. See site for additional details. Chevron Valley Credit Union has branches in Taft and Bakersfield, California.

5.92% GSA Federal Credit Union 60 Month Share Certificate

GSA Federal Credit Union is offering 5.92% apy on their 60 month share certificate. The minimum deposit for this certificate is $1,000. Other high rates are available for different term certificates. The credit union is offering 5.75% apy on a 48 month share certificate and 5.65% apy on 24 & 36 month share certificates.

Field of membership in GSA Federal Credit Union is extended to those who are employees and contractors of the GSA in a number of regions along with those who are employed by a small number of other organizations. See site for details.

5.72% CTCE Federal Credit Union 60 Month IRA Share Certificate

CTCE Federal Credit Union is offering 5.72% apy on a 60 month share certificate. The minimum deposit for this rate is $10,000. Lesser deposits for a simliar term IRA certificate starting at $500 earn 5.46% apy.

Field of membership in CTCE Federal Credit Union is extended to those who live, work, worship, or attend school in the City of Reading in Pennsylvania. Membership is also extended to those who work for any of over 900 select employee groups. See site for details.

San Diego County Credit Union High Checking Account, Rates up to 4.85%

San Diego County Credit Union is offering high rates for large deposits on their high yield checking account. With this account you get free unlimited check writing and your first box of checks free. You also get fee free travelers checks and free billpay. Rates for this account are detailed below:

APY Deposit Level
4.85% $100,000+
4.55% $50,000-$99,999
4.25% $25,000-$49,999
0.50% $1-$24,999

Field of membership in San Diego County Credit Union is extended to those who live or work in San Diego or Riverside County in California as well as employees of certain select employee groups. See site for details.

5.00% Star One Credit Union Money Market Savings Account

Star One Credit Union is offering 5.00% apy on their money market savings account. The minimum deposit for opening this account and earnining dividends is $50.

Field of membership in Star One Credit Union is extended to those who live or work in Santa Clara County, California or work for any of a number of certain select employee groups. See site for details.

5.60% Suncoast Federal Credit Union 12-60 Month Share Certificates

Suncoast Federal Credit Union is offering 5.60% apy on their share certificates with terms of 12 to 60 months. The minimum deposit for these certificates is $1,000. Youth certificates are available with the same rates and terms with a minimum deposit of $500.

Field of membership in Suncoast Federal Credit Union is extended to those with a certain specified relationship to any of the following Florida counties: Charlotte, Citrus, Collier, Desoto, Glades, Hardee, Hendry, Hernando, Hillsborough, Lee, Levy, Manatee, Pasco, Pinellas, or Sumter. Each county has a different set of membership criteria, although anyone 55 and older who lives in any of the aforementioned counties can become eligible to join the credit union by becoming a member of the SSFCU Retirement Association. Membership in SSFCU is $5.

5.75% LA Times Federal Credit Union 6 Month Share Certificate

Los Angeles Times Federal Credit Union is offering 5.75% apy on a 6 month share certificate on their website. This certificate must be funded with money new to the credit union.

Field of membership in Los Angeles Times Federal Credit Union includes employees of the Los Angeles Times, CCN, Recycler, Aramark, Cafe Cafe, Title Court Service, and Downtown LA Motors in addition to their family.

5.75% Shoreline Credit Union 36 Month Variable Rate Share Certificate

Shoreline Credit Union is offering 5.75% apy on their 36 month Prime CD. The minimum deposit for this certificate is $5,000. This certificate has a variable rate that changes with the Prime Rate. Contact the credit union for additional details.

Field of membership in Shoreline Credit Union is extended to those who live or work in Manitowoc or Kewaunee County in Wisconsin.

6.07% Black Hills FCU 31 month special certificate & other good rates and terms

Black Hills Federal Credit Union continues to offer a number of certificates with rates of 6%+ for large deposits on their website. For deposits of $200,000 or more, they are offering 6.07% apy for their 31 month certificate. They are also offering 6.11% apy for 5-8 year certificates with a minimum deposit of $25,000. You must have an Ultimate Checking account at the time these cds are opened to recieve these rates. Lower rates are available for lesser deposits and for those without Ultimate Checking.

Field of membership for Black Hills Federal Credit Union includes those who live, work, worship, or attend school, and businesses or other legal entities in Pennington, Custer, Fall River, Lawrence, or Meade County, South Dakota. Immediate family of current members are eligible as well.

5.75% Diamond Credit Union 5 & 10 Year Jumbo Share Certificates

Diamond Credit Union is offering 5.75% apy on their 5 and 10 year jumbo share certificates. The minimum deposit for these certificates is $75,000. Regular certificates with deposits starting at $1,000 earn 5.40% apy for similar terms.

Field of membership in Diamond Credit Union is extended to those who live, work, worship, regularly conduct business, or attend school in Berks County, PA and the Tri-County Region.

5.75% Priority Community Credit Union 14 Month Share Certificate Special

Priority Community Credit Union is offering 5.75% apy on a 14 month share certificate special. The minimum deposit for this special is $1,000. Funds for this special must come from money that has not been on deposit with the credit union within the last 60 days.

Field of membership in Priority Community Credit Union is extended to those who live work or worship in a number of Michigan Communities, including Detriot. Membership is also extended to certain select employer groups and other organizations. See site for addtional details.

4.75% USA One National Credit Union Free Direct Checking Account

USA One National Credit Union is offering a high yield checking account called Free Direct Checking. This account yields 4.75% apy on balances over $3,000 and .25% apy on balances below $3,000. This account features free overdraft protection and has no monthly service fees. You must have direct deposit to qualify for this account. See site for additional details.

Field of membership in USA One National Credit Union is open to those who live or work in a number of Chicago area communities or belong to one of over 400 Select Employer Groups.

This Credit Union is privately insured by American Share Insurance and is not federally insured.

6.03% Clackamas Community Federal Credit Union 6 Month Share Certificate Special

Clackamas Community Federal Credit Union is offering 6.03% apy on a 6 month share certificate special. The minimum deposit for this special is $1,000 and this account must be funded with money new to the credit union. This offer is good through December 31st.

Field of membership in Clackamas Community Federal Credit Union is extended to those who live, work, worship or attend school in Clackamas County, Oregon. Immediate family of the aforementioned are eligible for membership as well.

6.00% Virginia State University Federal Credit Union 6 Year Share Certificate

Virginia State University Federal Credit Union is offering 6.00% apy on a 6 year share certificate. The minimum deposit for this certificate is $500. This is a limited time offer which expires on 12/31/06.

Field of membership in Virginia State University Federal Credit Union is extended to those who are faculty, staff, alumni, or students of Virginia State University. Membership is also extended to family of those eligible for membership.

5.75% AEA Federal Credit Union 60 Month Share Certificate

AEA Federal Credit Union is offering 5.75% apy on a 60 month share certificate. The minimum deposit for this certificate is $500.

Field of membership in AEA Federal Credit Union is extended to those who live, work, worship, or attend school in Yuma or La Paz County in Arizona.

Agriculture Federal Credit Union 4.99% New Car Loans up to 60 Months + a $50 Gas Card

Agriculture Federal Credit Union is offering rates as low as 4.99% apr on new car loans up to 60 months. They are also now offering a $50 Gas Card when you apply for a new car loan. See site for details.

There are a variety of avenues to membership at this credit union. One way to qualify for Agriculture FCU membership is through membership in CityDance Ensemble . From AFCU's website, "AFCU supports CityDance by offering membership to members of CityDance and contributing the $20.00 membership fee to CityDance".

6.00% San Mateo Credit Union 8 Month Share Certificate

San Mateo Credit Union is offering 6.00% apy on an 8 month share certificate. This is a limited time offer. This certificate has a minimum deposit requirement of $2,000 and a limit of $100,000 per member.

Field of membership in San Mateo Credit Union is extended to those who are a resident, employee, or student in San Mateo County or a member of a select employee group. See site for details.

7.00% Hawaii Schools Federal Credit Union 12 Month Share Certificate Special

Hawaii Schools Federal Credit Union is offering 7.00% apy on a 12 month share certificate special. The maximum deposit for this special is $1,000 and there is a limit of one certificate per member who has direct deposit into their Hawaii Schools Federal Credit Union checking account.

Field of membership in Hawaii Schools Federal Credit Union is extended to a number of groups who have a relationship to the Hawaii public school system. See site for details.

5.75% Eastern Financial Florida Credit Union 7 Month Share Certificate

Eastern Financial Florida Credit Union is offering 5.75% apy on a 7 month share certificate. The minimum deposit for this account is $500. To qualify for this rate you must have direct deposit of at least $500.00 per month into any Eastern Financial Savings or Checking Account. Those without direct deposit earn 5.50% apy. This certificate is available as either a regular or IRA share certificate.

Field of membership in Eastern Financial Florida Credit Union is extended to those who live or work in Miami-Dade, Broward, Palm Beach, Hillsborough or Pinellas County, Florida. Membership is also extended to those who belong to any of a number of certain select employee groups. See site for details.

5.50% Bethpage Federal Credit Union 16 Month Share Certificate Special

Bethpage Federal Credit Union is offering 5.50% apy on a 16 month share certificate special. The minimum deposit for this special is $1,000. This account is available as a regular or IRA share certificate.

Field of membership in Long Island, NY based Bethpage Federal Credit Union is extended to those who you live, work, worship or go to school in Nassau county or Suffolk county, with the exception of the townships of East Hampton, Southampton, and Shelter Island.

TMH Federal Credit Union, Share Certificate Rates Up to 6.33%

TMH Federal Credit Union is offering high rates on a number of their share certificates. Jumbo rates range from 5.80% apy for a one year share certificate to 6.33% apy for a five year share certificate. The minimum deposit for these rates is $99,000. Lower, but very competitive rates are available for deposits at the $1,000, $5,000, & $10,000 deposit levels.

Field of membership in TMH Federal Credit Union is extended to those who are employees, independent contractors, or self-employed persons who regularly work in the Health Care Industry in the Florida Counties of Leon, Wakulla, Gadsden, Jefferson, or Liberty or the Georgia Counties of Grady, Thomas, or Decatur. See site for more details.

Desert Schools Federal Credit Union Jumbo Share Certificates, Rates as High as 5.85%

Desert Schools Federal Credit Union is offering high rates on a number of their jumbo share certificates. The minimum deposit for these certificates is $100,000. The highest rate available is 5.85% apy on a 60 month jumbo share certificate. Other high rates are available for shorter terms. See site for details.

Field of membership in Desert Schools Federal Credit Union is extended to those who live, work, worship or attend school in Gila, Maricopa, or Pinal Counties in Arizona. Businesses and other legal entities in these areas are also eligible. See site for details.

6.00% Hudson Valley Federal Credit Union Share Certificate Special

Hudson Valley Federal Credit Union is offering 6.00% apy on a 6 month share certificate with a minimum deposit of $2,000. This offer is good for regular, jumbo, and IRA share certificates.

Field of membership in Hudson Valley Federal Credit Union is extended to those who live, work, worship, volunteer, or attend school in Dutchess, Ulster, or Orange County, New York.

Thanks to the friend of this site who emailed me this deal. If you have a credit union deal that you'd like to share, please feel free to leave a comment on the Hot Tips post.

BECU High Rate Jumbo Share Certificates

A couple of weeks ago I posted about BECU offering 5.70% apy on their 60 month jumbo share certificate. With rates falling elsewhere, BECU's jumbo rates for share certificates with terms of 12 through 60 months are looking more attractive. The minimum deposit for their jumbo share certificates is $100,000. Rates for lesser deposits are competitive with high rates offered by other financial institutions. Below are some of their current jumbo share certificate offerings:

Term APY
12 Month 5.30% (Bump up share certificate)
18 Month 5.46%
24 Month 5.34% (Bump up share certificate)
30 Month 5.40%
36 Month 5.50%
48 Month 5.60%
60 Month 5.70%

Field of membership in BECU is extended to those who live, work, worship or attend school in any State of Washington school district as well as past or present employees of The Boeing Company or it's subsidiaries or affiliates. Membership is also available to other select groups. See site for details.

5.75% BrightStar Credit Union 7 Month Share Certificate Special

BrightStar Credit Union is offering 5.75% apy on a 7 month share certificate special. The minimum deposit required for this certificate is $500.

Field of membership in BrightStar Credit Union is extended to those who live, work, or attend school in Broward or Palm Beach County in Florida. Membership is also extended to family members of those eligible for membership.

6.00% Kirtland Federal Credit Union 14 Month Share Certificate Special

Kirtland Federal Credit Union is offering 6.00% apy on a 14 month share certificate special. The minimum deposit for this rate is $100,000. To qualify for this rate you must have a Kirtland Federal Credit Union checking account with direct deposit of your pay or retirement check. Those without direct deposit earn .25% less. This certificate is available for lesser deposits at lower rates. See site for more information.

Field of membership in Kirtland Federal Credit Union is extended to military and civilian personnel at Kirtland Air Force Base as well as to United States Reserve Forces in New Mexico and the New Mexico National Guard. Membership is also extended to members of certain select employee groups. See site for additional information.

Atlanta Postal Credit Union, Share Certificate Rates as High as 5.85%

Atlanta Postal Credit Union is offering rates as high as 5.85% apy on their share certificates. High rates range from 5.75% apy for a 12 month share certificate to 5.85% apy for a 60 month share certificate. These rates are good for both regular and IRA share certificates. Regular share certificates require a minimum deposit of $500. IRA share certificates require a $2,000 minimum deposit.

Field of membership in Atlanta Postal Credit Union is extended to employees and retirees of the U. S. Postal Service as well as their family. Members of other certain select employee groups are eligible as well. See site for details.

5.75% Texas Champions Federal Credit Union 2 & 3 Year Share Certificates

Texas Champions Federal Credit Union is offering 5.75% apy on their 2 and 3 year share certificates. The minimum deposit for this rate is $10,000. Lesser deposits earn lower rates.

Field of membership in Texas Champions Federal Credit Union is extended to those who live, work, attend school, or worship in the cities of Galena Park, Channelview, Jacinto City, Pasadena, and South Houston in the state of Texas. Membership is also open to those who belong to certain select employee groups. See site for details.

6.00% St. Tammany Federal Credit Union 60 Month Share Certificate

St. Tammany Federal Credit Union is offering 6.00% apy on a 60 month share certificate. They are also offering 5.84% apy on a 48 month share certificate and 5.64% apy on a 36 month share certificate. The minimum deposit for these certificates is $1,000.

Field of membership in Louisiana based St. Tammany Federal Credit Union is extended to those who are employees or retirees of the St. Tammany Parish School Board and immediate family of current members.

USA Federal Credit Union, Jumbo Share Certificate Rates as High as 5.64%

USA Federal Credit Union is offering high rates on a number of their jumbo share certificates. They are offering 5.64% apy on a 60 month share certificate and 5.48% apy on a 48 month share certificate. The minimum deposit to qualify for these rates is $100,000. Similar term share certificates with lesser deposit requirements are available at lower rates.

Field of membership in USA Federal Credit Union includes those who are active or retired military as well as those who are members of many others organizations and employee groups. If you find that you don't fall under any of these groups, membership in the Prime Meridian Association is another avenue to membership. For more information on the Prime Meridian Association, you can contact USA FCU.

5.60% Cedar Falls Community Credit Union 18 Month Jumbo Share Certificate

Cedar Falls Community Credit Union is offering 5.60% apy on a jumbo share certificate. The minimum deposit for this certificate is $100,000. Lesser deposits starting at $1,000 earn 5.50% apy.

Field of membership in Cedar Falls Community Credit Union is extended to those who live or work in Black Hawk, Bremer, Butler, Grundy, Fayette, Buchanan, or Chickasaw County in Iowa.

5.50% NW Preferred Credit Union 6-11 Month Share Certificates

NW Preferred Credit Union is offering 5.50% apy on share certificates with terms of 6 through 11 months. The minimum deposit for this special is $5,000 and this account must be funded with money new to the credit union.

Field of membership in NW Preferred Credit Union is extended to licensed insurance professionals in Oregon, Washington and Idaho as well as those who live or work in the greater North Santiam area in Oregon. See site for additional details.

6% State Transportation Employees Credit Union 6 Month Share Certificate Special

STATE TRANSPORTATION EMPLOYEES CREDIT UNION is offering 6.00% apy on a 6 month share certificate special. The minimum deposit for this certificate is $5,000 and this account must be funded with money new to the credit union.

Field of membership is extended to those who live, work, or worship in the greater Hilltop Community in Ohio. Membership is also extended to those who work for any of a number of certain select employee organizations. A number of State of Ohio departments and agencies are included amongst these select organizations. See site for details.

5.75% Coreplus Federal Credit Union 36 Month Variable Rate Certificate Update

CorePlus Federal Credit Union is still offering their 36 month variable rate certificate that I posted on last August. The rate for this certificate is determined by the Prime Rate minus 2.50% as reported in the Eastern Edition of the Wall Street Journal five days prior to the end of each month. Rates change on the first of the month. The rate on this account will not drop below 3% or rise above 8%.

Field of membership for CorePlus includes those "who live, work, worship, or attend school in and businesses and other legal entities located in New London County or Windham County, Connecticut" as well as those "who reside in the Town of Hebron, Connecticut, employees of the Town of Bolton, Connecticut".

5.50% Indiana Members Credit Union 2 Year Share Certificate

Indiana Members Credit Union is offering 5.50% apy on a 2 year share certificate. The minimum deposit for this certificate is $1,000.

Field of membership is extended to those who live or work in a number of Indiana counties as well as employees of a variety of sponsor companies. See site for additional details.

5.80% University of Kentucky Federal Credit Union 60 Month Jumbo Share Certificate

University of Kentucky Federal Credit Union is offering 5.80% apy on a 60 month jumbo share certificate. The minimum deposit for this rate is $90,000. Lesser deposits starting at $1,000 earn 5.65% apy. Dividend payments for these rates are on an annual basis.

Field of membership for this credit union includes employees, students, and various alumni of the University of Kentucky as well as members of certain other select organizations. See site for additional details.

5.65% Washington State Employees Credit Union 13 Month Share Certificate

Washington State Employees Credit Union(WSECU) is offering 5.65% apy on a 13 month share certificate. The minimum deposit for this certificate is $1,000.

Field of membership in Washington State Employees Credit Union is extended to those who are employees of any city, county, state, institute of higher education, or public school in Washington State. Membership is also extended to relatives of current or potential members.

5.68% Virginia Credit Union 60 Month Share Certificate

Virginia Credit Union is offering 5.68% apy on a 60 month share certificate. The minimum deposit for this rate is $50,000. Lesser deposits earn lower rates.

Field of membership in Virginia Credit Union is extended to employees and retirees of the Commonwealth of Virginia, any county, city, or town in Virginia, and any public school or Virginia state funded college or university. Membership is also extended to employees and retirees of a number of other select organizations. See site for details.

5.76% APCO Employees Credit Union 182 & 366 Day Share Certificates

APCO Employees Credit Union is offering 5.76% apy on two share certificates. One is a 182 day share certificate and the other is a 366 day share certificate. The minimum deposit for both of these certificates is $2,500.

Field of membership in APCO Employees Credit Union is extended to employees and retirees of the Alabama Power Company, Southern Company Services, Southern Nuclear, and other select organizations. See site for details.

5.60% San Antonio Credit Union 6 Month Share Certificate

San Antonio Credit Union is offering 5.60% apy on a 6 month share certificate. The minimum deposit for this certificate is $1,000.

Field of membership in San Antonio Credit Union is extended to those who belong to any of the credit union's 1500 plus sponsoring organizations. Membership is also extended to students at any post secondary educational institution who live in the San Antonio area. See site for additional details.

5.71% NRL Federal Credit Union 36 Month Bump-Up Share Certificate Special

NRL Federal Credit Union is offering 5.71% apy on a 36 month bump-up share certificate special. The minimum deposit for this special is $500. This offer is good through December 31st.

Field of membership for NRL Federal Credit Union is extended to those who are civilian or military employees of the U.S. Government regularly stationed at or paid by the Naval Research lab as well as contractors or employees of contractors who work regularly at the lab. In addition, employees of certain select employer groups and family members of current members are eligible for memberhship.

5.55% Kinecta Federal Credit Union 15 Month Share Certificate

Kinecta Federal Credit Union is offering 5.55% apy on a 15 month share certificate. The minimum deposit for this certificate is $1,000.

Field of membership in California based Kinecta Federal Credit Union is extended to those who belong to any of a number of select employee groups. Membership is also extended to those belonging to the Consumers Cooperative Society of Santa Monica. The membership fee for this group is $10. See site for details.

5.85% MIT Federal Credit Union 60 Month Jumbo Share Certificate

MIT Federal Credit Union(MITFCU) is offering 5.85% apy on an 60 month jumbo share certificate. The minimum deposit for this rate is $50,000. To qualify for this rate you must have an active MIT Federal Credit Union checking account with direct deposit of your net pay, pension, or social security into a MITFCU account.

Field of membership in MIT Federal Credit Union includes employees of MIT who work in or are paid from Cambridge or Lexington, Massachusetts as well as current students at MIT. Members of other certain select employer oganizations are also eligible for membership. See site for details.

5.88% State Department Federal Credit Union 5 Year IRA Share Certificate

State Department Federal Credit Union is offering 5.88% apy on a 5 year IRA certificate for those members who are in their Capital Club. To join the Capital Club, you must open a State Department FCU checking account and have your paycheck or annuity directly deposited. If direct deposit isn't available to you, you can also join the Capital Club by having a minimum of $500 in your regular share savings account.

Field of membership is limited and is comprised of a number of select employee groups as well as employees and members of a number of other organizations. See site for details.

6.14% Honeywell Federal Credit Union 60 Month Variable Rate Certificate & Other High Rates

Honeywell Federal Credit Union is offering a number of high rate share certificates. They are offering 6.14% apy on a 60 month variable rate share certificate and 5.87% apy on a 36 month variable rate share certificate. The rate for these certificates is based on the Prime Rate minus a margin of 2.25% & 2.50% respectively. The minimum deposit for both of these certificates is $1,000.

Field of membership in Honeywell Federal Credit Union is extended to those who are employees and retirees of Honeywell as well as those who live, work, worship or attend school in either Brooklyn Center, Crystal, Golden Valley, Hopkins, Minneapolis, New Hope, Robbinsdale or St. Louis Park in Minnesota.

6.00% Cinfed Credit Union 60 Month Share Certificate

Cinfed Credit Union is offering 6.00% apy on a 60 month share certificate. The minimum deposit for this certificate is $500.

Field of membership in this credit union is extended to a number of Cincinnati and Northern Kentucky area employer groups as well as most federal employees and all employees of Hamilton County, Ohio. See site for additional details.

6.40% Emery Federal Credit Union Variable Rate Share Certificate

Emery Federal Credit Union is offering 6.40% apy on a 30 month Emerate Variable Rate share certificate. The minimum deposit for this certificate is $500. This rate is good for both regular and IRA accounts.

Emery Federal Credit Union serves the employees of over sixty companies through five branches in Ohio. Contact Emery FCU for more information.

6.10% Chetco Federal Credit Union 12 Month Prime Time Variable IRA

Chetco Federal Credit Union is offering 6.10% apy on their 12 month Prime Time Variable IRA account. The minimum deposit for this certificate is $1,000. You may make additional deposits to this account in increments of $25.

Field of membership for this credit union is extended to those who live, work or worship in Del Norte, Curry, or Coos County in Oregon in addition to their family members.

5.75% MassMutual Federal Credit Union 13 Month Share Certificate

MassMutual Federal Credit Union is offering 5.75% apy on a 13 month share certificate. The minimum deposit for this certificate is $1,000 and this account has a maximum deposit limit of $25,000. You must have a MassMutual Federal Credit Union checking account with direct deposit to qualify for this rate. Members who don't will earn 5.50% apy.

Field of membership in MassMutual Federal Credit Union is extended to the employees and retirees of the MassMutual Financial Group of Companies in addition to their families.

SECU Credit Union Benefits Plus Program, Perks include Discounted Gift Cards and More

SECU offers a program called Benefits Plus which offers a number of perks to it's members. You can purchase gift cards at 10% off to merchants like Macy's, the Gap, Chili's, Banana Republic, Applebee's, and Red Lobster among others. You can purchase discounted theme park tickets and movie tickets through this program and you can also receive discounts at select restaurants and merchants. See site for additional benefits and information. Membership in Benefits Plus costs $2.95 per month for those with Choice Interest Checking or Students' Choice Checking. All other members pay $4.95 per month.

Field of membership in SECU Credit Union is extended to Alumni, full-time and part-time students, faculty, and staff members of a number of Maryland schools, Maryland State employees and retirees, and members of a number of select employee groups and organizations. See site for details.

6.00% Airforce Federal Credit Union 13 Month Add-On Share Certificate

Airforce Federal Credit Union is offering 6.00% apy on a 13 month add-on share certificate. The minimum deposit for this certificate is $1,000 and you may add on to this certificate as many times as you wish with additional deposits of $1,000 or more.

Field of membership in Airforce Federal Credit Union is extended to active, retired, and dependants of members of the U.S. Armed Forces who are eligible to receive benefits for services from military installations. Membership is also extended to members of a number of other organizations as well as to certain immediate family of all of the above. See site for details.

6.00% United Financial Credit Union 6 Month Youth Share Certificate

United Financial Credit Union is offering 6.00% apy on 6 month youth share certificate. This certificate requires a minimum deposit of $100 and has a maximum deposit limit of $2,000. This account may be opened for youths through age 21.

Field of membership in Michigan based United Financial Credit Union is extended to those who belong to any of over 200 select employer groups. The credit union has branches located in Saginaw, Chesaning, and Freeland. See site for further information.

7.00% Selco Community Credit Union 12 Month "Gift Certificate" of Deposit

SELCO Community Credit Union is offering 7.00% apy on a 12 month “Gift Certificate” of Deposit. This certificate requires a minimum deposit of $50 and has a $500 limit. This is a "Gift Certificate" and may not be opened for oneself. This certificate may be opened for an existing member or on behalf of a minor. Non member recipients will have their membership fee waived and $5 deposited into their share account by the credit union.

Field of membership in SELCO Community Credit Union is extended to those who live in any of the following Oregon counties: Lane County, Deschutes County, Linn County, Benton County, Marion County, or Polk County. Membership is also extended to family of current members or those who may be eligible for credit union membership. See site for details.

10.00% Credit Union of New Jersey 10 Month Share Certificate Special

The Credit Union of New Jersey(CUNJ) is offering 10.00% apy on a 10 month share certificate. The minimum/maximum deposit for this certificate is $1,000 and there is a limit of one certificate per account number. This certificate must be funded with money from an non-CUNJ account. You must have an active CUNJ checking or money market account to qualify for this offer. See site for additional information.

Field of membership in Credit Union of New Jersey is extended to those who live, work, attend school, or worship in Ewing Township, NJ. Membership is also extended to those who work for any of a number of select groups which include a number of companies and state agencies. See site for details.

Florida Telco Credit Union Certificate Specials, Rates up to 6.00% APY

Florida Telco Credit Union is offering two certificate specials. The first one is a 3 month share certificate with a yield of 5.50% apy. The second is a 9 month share certificate with a yield of 6.00% apy. The minimum deposit requirement for both of these certificates is $5,000.

Field of membership in Florida Telco Credit Union is open to those who live or work in Duval, Clay, Nassau, Baker, or St. Johns County in Florida. According to their website, membership is also extended to employees within the telecommunications field without geographical limitation.

5.75% Telcom Federal Credit Union 60 Month Share Certificate

Telcom Federal Credit Union is offering 5.75% apy on a 60 month share certificate. The minimum deposit for this rate is $500 and you must have a Telcom checking account with direct deposit of at least $500 per month to your Telcom account(s). Those without a checking account will earn 5.50% apy.

While there are a numer of ways to join Telcom Credit Union, their field of membership is open to anyone by virtue of a $2 donation to the Salvation Army Bed and Bread program.

6.13% Telco Federal Credit Union(New York) 24 Month Share Certificate

Telco Federal Credit Union is offering 6.13% apy on a 24 month share certificate. The minimum deposit for this certificate is $10,000. Lesser deposits starting at $1,000 earn 5.35% apy.

Field of membership in Elmira, NY based Telco Federal Credit Union is extended to those who belong to any of a number of select sponsoring organizations. See site for details.

5.65% RTN Federal Credit Union 11 Month Share Certificate

RTN Federal Credit Union is offering 5.65% apy on an 11 month share certificate. The minimum deposit for this certificate is a $1,000($500 for Coverdell Savings Accounts).

Field of membership in RTN Federal Credit Union is extended to those who belong to any of a number of certain select organizations. If you aren't otherwise eligible for membership, joining either the Gore Place Society or the Waltham Historical Society will qualify you for membership.

BrightStar Credit Union, Earn up to 2000 Visa Extras Bonus Points Promotion

BrightStar Credit Union is offering up to 2000 Visa Extras Bonus points to their enrolled Visa Check Cardholders. Enrolled Cardholders earn 1000 bonus points for qualifying purchases during the month of December which total between $500 and $999.99. Those making qualfying purchases of $1,000 or more earn 2000 bonus points. See site for additional details.

Field of membership in this credit union is extended to those who live, work, or attend school in Broward or Palm Beach County in Florida as well as family of those eligible for membership.

6.00% LGE Federal Credit Union 6 Month Share Certificate and $55 Checking Account Opening Promotion

Lockheed Georgia Employees Federal Credit Union is offering 6.00% apy on a 6 month share certificate with a minimum deposit of $1,000. To qualify for this special certificate rate, you must open a new checking account with the credit union. If you fund the checking account with at least $55 upon opening, they will match the first $55 you deposit. You also need to maintain a minimum of a $5 deposit in a Share Savings account to be a member.

Field of membership in Lockheed Georgia Employees Federal Credit Union is extended to those who are members of any one of over 300 sponsoring organizations. See site for details.

5.70% Advantis Credit Union 11 Month Share Certificate

Advantis Credit Union is offering 5.70% apy on an 11 month share certificate. This certificate requires a minimum deposit of $5,000 and has a deposit limit of $100,000. Money new to the credit union must be used to fund this account.

Advantis Credit Union is also still offering a $100 bonus checking account bonus now through December 31st. See my previous post for further details.

Field of membership in Advantis Credit Union is extended to those who work for any one of a number of eligible employers in Multnomah, Clackamas, Washington, Columbia, or Yamhill County in Oregon. See site for more information.

Orange County Teachers Federal Credit Union Rate Bonus, Rates as High as 6.00% apy Available

Orange County Teachers Federal Credit Union(OCTFCU) is offering a rate bonus of .25% apy on their regular and IRA share certificates. This promotion runs through Jan. 31, 2007 and there is a limit of one apy rate bonus per member. OTFCU currently offers 5.75% apy on a 60 month jumbo share certificate. When you add in the rate bonus you can currently earn rates as high as 6.00% apy. If you choose to apply the rate bonus to their current 7 month share certificate special, you can earn a rate of 5.75% apy. Members can alternatively choose a .25% apr reduction for an auto loan funded with the credit union through January 31st.

Field of membership in OCTFCU is primarily extended to employees of a number of educational institutions who work in certain Southern California counties in addition to their immediate family. See site for details.

5.125% Pentagon Federal Credit Union 5/1 Adjustable Rate Mortage

Pentagon Federal Credit Union is offering 5.125% apr on their 5/1 Adjustable Rate Mortgage(ARM). This is a lower rate than they offer on their 1/1, 2/2, and 3/1 ARMs . They are also offering 5.375% apr on a 5/1 ARM with a forty year amortization. These rates are good for both regular and jumbo mortgages. Those paying .625 in points will receive a .25 point reduction to there mortgage rate. See site for additional information.

In addition to other avenues to membership, field of membership in Pentagon Federal Credit Union is open to those who work at the Pentagon, are active or retired from the U.S. Army, U.S. Air Force, or Coast Guard, or belong to certain select companies or organizations . Those who don't otherwise qualify for memberhsip in this credit union are eligible to join via membership in the National Military Family Association which anyone can join.

6.00% Meriwest Credit Union 3 Month Share Certificate Special

Meriwest Credit Union is offering 6.00% apy on a 3 month share certificate special. This special has minimum deposit requirement of $1,000 and a maximum deposit limit of $250,000. In addition, this certificate must be funded with money new to the credit union.

Field of membership in Meriwest Credit Union is extended to those who live, work, or study in Santa Clara, Alameda, Contra Costa, San Mateo, or San Francisco county as well as employees and retirees any of a number of certain select employee groups including IBM. Family members and household members of eligible members are also eligible.

EDIT: See the comments section of this post for important feedback and details on this offer.

5.75% Apple Federal Credit Union 60 Month Jumbo Share Certificate

Apple Federal Credit Union is currently offering 5.75% apy on a 60 month jumbo share certificate. The minimum deposit for this certificate is $50,000.

Field of membership in Apple Federal Credit Union includes a variety of select employer groups, alumni and faculty groups, as well as members of a number of national associations. See site for additional details.

7.00% Chartway Federal Credit Union 7 Month Share Certificate Special

Chartway Federal Credit Union is offering 7.00% apy on a 7 month share certificate special. The minimum/maximum deposit for this special is $7,000. New members and existing members are eligible to open this account. New members are definded as those who have not had an account with Chartway within the last 6 months. Exisiting members must refer a new member who joins and either opens a Prime Share account and a 7% certificate special or a Prime Share account and a checking account with direct deposit of $500 or more per month. Members are limited to a maximum of 3 of these 7% certificate specials. See site for additional details. This special is in addition to the cd specials I posted on last week here.


Field of membership in ChartWay Federal Credit Union is extended to those who live, work, worship or go to school in a "defined geographic area served by our Virginia, Florida, Rhode Island and Texas branches". See site for details.

Mountain America Credit Union Share Certificate Specials

Mountain America Credit Union is currently offering two share certificate specials. The first is a 9 month share certificate with a yield of 5.45% apy. The second is a 15 month share certificate with a yield of 5.60% apy. The minimum deposit for both of these share certificates is $1,000.

Field of membership in Mountain America Credit Union is extended to those who reside in Salt Lake, Duchesne, or select parts of Wasatch or Uintah County in Utah as well as employees, members, or volunteers of certain select employee groups or affiliated associations. See site for details.

5.75% Patelco Credit Union 8 Month Super Saver Share Certificate

Patelco Credit Union is offering 5.75% apy on an 8 month Super Saver share certificate. The minimum deposit for this certificate is $1,000($500 for IRA accounts) and at least 50% of the funds used to open this account must be from money new to the credit union. This certificate allows unlimited add ons of $500 or more in "new money" during the term of the certificate. See site for additional information.

Field of membership in Patelco Credit Union is open to a wide variety of groups and organizations. Anyone who isn't otherwise eligible for membership can become eligible by joining the California Association for Older Americans which is open to anyone regardless of age or geographic location. Simply indicate California Association for Older Americans on your application for Patelco credit union membership.

Patelco Credit Union is privately insured by American Share Insurance up to $250,000 per account and is not federally insured. For more details about American Share Insurance, see the link above.

5.50% Digital Federal Credit Union 13 Month Share Certificate

Digital Federal Credit Union is offering 5.50% apy on a 13 month certificate special. The minimum deposit for this certificate is $500 and this rate is good for both regular and IRA accounts. They are also offering a 7 month share certificate special with a rate of 5.00% apy and a minimum deposit of $500.

Field of membership in Digital Federal Credit Union is extended to those who live, work, worship, or attend school in certain Massachusetts and Georgia communities as well to those belonging to a number of sponsoring organizations and companies. A number of these sponsoring organizations are easy for anyone to join and are listed on Digital's website.

5.88% Chartway Federal Credit Union 18 Month Share Certificate

Chartway Federal Credit Union is offering 5.88% apy on a 18 month certificate share. They are also offering 5.35% apy on a 15 month certificate. The minimum deposit to qualify for these rates is $10,000. The maximum opening deposit per household for this special is $250,000. You also must have either Preferred Plus, Elite 50 Plus, or Premier Checking to qualify for these rates. Those who do not have or open any of the above checking accounts may open these certificates with a .25% lower rate. See site for additional details.

Chartway has a membership that is limited to those who "live, work, worship or go to school in a defined geographic area served by our Virginia, Florida, Rhode Island and Texas branches".

Tucoemas Federal Credit Union, Share Certificates with Rates of 6.00%+

Tucoemas Federal Credit Union is offering rates of 6.00%+ on a number of certificates with various terms and deposit levels. The highest rate offered is 6.22% apy on a 60 month share certificate with a minimum deposit of $50,000. See site for additional rates and terms.

Field of membership in Tucoemas Federal Credit Union is extended to those who live, work, worship, or attend school in Tulare County, California.

Widely Available 6.00% Share Certificates No Longer Offered, Rates Continue To Trend Lower

Rates continue to trend lower at many credit unions and some widely available high rate share certificates are no longer being offered. Digital Credit Union no longer offers their 6.00% apy 16 month share certificate on their website and the rate on Agriculture Federal Credit Union's 60 month share certificate has dropped from 6.00% apy to 5.50% apy.

There still are some high rate share certificate rates that are still widely available. Nasa Federal Credit Union still offers their 5.80% apy 7 month share certificate(see my post) and Fort Belvoir Credit Union is offering 5.60% apy on a 60 month share certificate(my post).

5.65% Fort Belvoir Federal Credit Union 60 Month Share Certificate

Fort Belvoir Federal Credit Union is offering 5.65% apy on their 60 month share certificate. The minimum deposit for this certificate is $1,000. This rate is good for both regular and IRA share certificates.

Field of membership in Virginia based Fort Belvoir Federal Credit Union is open to all active duty or retired US Armed Forces as well as a employees, members, worshipers, or volunteers of a number of organizations. Membership is also extended to members of the Friends of Manassas National Battlefield Park which anyone can join for $15.

5.5357% Northrop Grumman Federal Credit Union 6 Month Share Certificate

Northrop Grumman Federal Credit Union is offering 5.5357% apy on a 6 month share certificate. The minimum deposit for this rate is $40,000. Lesser deposits starting at $2,500 earn 5.2733% apy.

Field of membership in Northrop Grumman Federal Credit Union is offered to Northrop Grumman employees, retirees, and their family among others. For those who don't otherwise qualify for membership in this credit union, prospective members can become eligible through membership in the Southern California Historical Aviation Foundation (SCHAF). Membership in SCHAF is $25.

5.85% Orange County Teachers Federal Credit Union Jumbo Share Certificate

Orange County Teachers Federal Credit Union(OCTFCU) is offering 5.85% apy on a 60 month jumbo share certificate. The minimum opening deposit for this certificate is $100,000.

Field of membership in OCTFCU is primarily extended to employees of a number of educational institutions who work in certain Southern California counties in addition to their immediate family. See site for details.

Winnebago Communtiy Credit Union $100 Checking Account Opening Bonus

Winnebago Community Credit Union is offering a $100 bonus to members who open a new checking account with direct deposit. This offer is limited to one per member and only personal checking accounts qualify for the $100 bonus.

Field of membership in Winnebago Community Credit Union is open to those who live or work in Winnebago, Outagamie, or Fond du Lac County in Wisconsin.