Point Breeze Credit Union 5.50% 6 Month & 5.60% 11 Month Share Certificate Specials

Point Breeze Credit Union is offering rates of 5.50% apy and higher on two of their share certificate specials. The first is a 6 month share certificate with a rate of 5.50% apy. The second is an 11 month share certificate with a rate of 5.60%. The minimum deposit requirement for both of these specials is $10,000. These certificate specials must be funded with money new to the credit union.

Field of membership in Point Breeze Credit Union is extended to employees and retirees of certain select employee groups located within a 20 mile radius of one of the credit union's branches. See site for details.

5.45% Guardian Credit Union 8 Month Share Certificate Special

Guardian Credit Union is offering 5.45% apy on an 8 month share certificate special. This special has a minimum deposit requirement of $2,500.

Field of membership in Guardian Credit Union is extended to those who work, worship, attend school in, or reside in Montgomery, Autauga, Elmore, Chilton, Coosa, Tallapoosa, Lee, Russell, Macon, Crenshaw, Butler, or Lowdnes County in Alabama as well as those who belong to certain select employee groups. See site for additional details.

5.5% Human Services Employees Credit Union 1 Year IRA Share Certificate Special

Human Services Employees Credit Union is offering 5.5% apy on a 1 year IRA share certificate special. The minimum deposit for this special is $2,000. 1 year regular share certificates are also available at a rate of 4.5% apy.

Field of membership in Human Services Employees Credit Union is extended to those who work for certain Departments of the State of Georgia and certain Agencies working under the same. Membership is also extended to a small number of select employee groups. See site for details.

5.5% Schools Federal Credit Union 18 Month IRA Share Certificate

Schools Federal Credit Union is offering 5.5% apy on an 18 month IRA share certificate. You must have a Gold or Platinum Relationship with this credit union to qualify for this rate. Further details about Gold and Platinum Relationship levels can be found here.

Field of membership in Schools Federal Credit Union is extended to those who are employeed by a small number of select educational institutions in the Los Angeles area as well as TV Station KLCS Channel 58. Membership is also extended to employees and registered students at a number of Los Angeles area intstitutions of higher education. See site for details.

6% Franklin Mint Federal Credit Union HolidayeClub Account

Franklin Mint Federal Credit Union is offering 6.00% apy on their HolidayeClub account. This rate is good up to the first $2,500 in deposits. Deposits above $2,500 will earn 2%. This is a variable rate and is subject to change. You may deposit up to $750 per calendar quarter into this account. Contributions to this account must be systematic and automatic. See site for more information.

Field of membership in Franklin Mint Federal Credit Union is extended to those who live, work, worship, volunteer or attend school in the City of Chester in Pennsylvania. Membership is also extended to those who belong to certain select organizations. Contact the credit union for more information.

LBS Financial Credit Union Share Certificates, Rates as High as 5.70%

LBS Financial Credit Union is offering rates as high as 5.70% apy on their share certificates. Jumbo rates for share certificates with terms of 24 through 6o months start at 5.50% apy and go all the way up to 5.70% apy. The minimum deposit for these jumbo share certificates is $90,000. Lesser deposits earn lower rates. The credit union is also offering 5.50% apy on a 7 month jumbo share certificate special with a minimum deposit of $90,000. Lower rates are available on this certificate for lesser deposits as well. See site for details.

Field of membership in LBS Financial Credit Union is extended to those who live or work in certain Los Angeles County cities in addition to Riverside or Orange County in California. Students, employees, and retirees of a number of California School Districts are also eligible. See site for details.

5.46% State Department Federal Credit Union 18 Month Share Certificate Special

State Department Federal Credit Union is offering 5.46% apy on an 18 month share certificate special. The minimum deposit for this special is $500.

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.

5.50% Freedom Federal Credit Union 6 Month Share Certificate & 13 Week Jumbo Share Certificate

Freedom Federal Credit Union is offering 5.50% apy on a couple of their share certificates. The first is a 6 month share certificate with a minimum deposit requirement of $300. The second is a 13 week jumbo share certificate with a minimum deposit requirement of $50,000.

Field of membership in Freedom Federal Credit Union is extended to those who live, work, worship, or attend school in Harford County, Maryland.

5.88% Cascade Forest Products Credit Union 12 Month Share Certficate Special

Cascade Forest Products Credit Union is offering 5.88% apy on a 12 month share certificate special. The rate for this certificate is determined by adding a margin of .50 to the Federal Funds Rate as published on the Federal Reserve website each Thursday. The minimum deposit for this certificate is $2,500 and at least 50% of the funds for this certificate must come from money new to the credit union. This is a limited time offer.

Field of membership in Cascade Forest Products Credit Union is extended to those who live, work, or worship in eligible communities in the State of Washington as well as those who work for any of a small number of select employee groups. Contact the credit union for more information.

5.9% Navy Federal Credit Union Balance Transfer Offer + 2000 Bonus Points

Navy Federal Credit Union has a special 5.9% balance transfer offer for their personal credit card accounts. Balances transfers from other financial institution's credit card accounts will earn 5.9% apr for the life of the balance. Also, when you transfer $1,000 on or before April 30 you will earn 2,000 Reward points. Navy Federal Credit Union has a number of rewards cards including the nRewards, goRewards, and Flagship Rewards card. I posted on their Flagship Rewards Card last September.

Field of membership for Navy Federal 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.

5.50% Bay Gulf Credit Union 12-60 Month Share Certificates

Bay Gulf Credit Union is offering 5.50% apy on their share certificates with terms of 12 to 60 months. The minimum deposit for these certificates is $500. These rates are good for both regular and IRA share certificates.

Field of membership in Bay Gulf Credit Union is extended to those who live, work, or attend school in any of a number of Florida communities as defined by certain select zipcodes. Membership is also extended to employees and retirees of certain business partners and those who belong to the Premier Partners 50-Plus Club. This club serves those over 50 who reside in the credit union's 8 county service area. The initial fee to join this club is $10. See site for additional details.

5.75% United SA Federal Credit Union 24 Month Share Certificate Special

United SA Federal Credit Union is offering 5.75% apy on a 24 month share certificate special. They are also offering 5.40% apy on a 12 month share certificate special. The minimum deposit for these certificates is $500 and they must be funded with money new to the credit union. These rates are listed through Febuary 22.

Field of membership in United SA Federal Credit Union is extended to those who live, work, regularly conduct business, volunteer, worship, or attend school in Bexar County, Texas. See site for a further details on this credit union's field of membership.

10% Golden Plains Credit Union 6 Month Share Certificate Special

Golden Plains Credit Union is offering a 10% apy 6 month share certificate special on January 29th. The minimum deposit for this certificate is $1,000 and the maximum allowable deposit is $2,500. Direct Deposit into a Golden Plains Credit Union checking account is required to qualify for this certificate special. Those who have a Golden Plains Credit Union checking account without direct deposit are eligible for a 6.00% 6 month share certificate.

Field of membership in Golden Plains Credit Union is extended to anyone who resides in Kansas or the Liberal trade area. Membership is also extended to members of the Lee Richardson Zoo among others. See site for further details.

6.33% Charleston Federal Credit Union 24 Month Share Certificate

Charleston Federal Credit Union is offering 6.33% apy on a 24 month share certificate. The minimum deposit for this certificate is $10,000. Lesser deposits earn 6.17% apy.

Field of membership in Charleston Federal Credit Union is extended to certain Federal employees who work in or are supervised from the Kanawha Valley in West Virginia and those who are employees of the University of Charleston and the Charleston Job Corp. See site for further details.

5.50% Western Credit Union 36 Month Variable Rate IRA Share Certificate, Other High Rates Available

Western Credit Union is offering a rate of 5.50% apy on their 36 month variable rate IRA share certificate. The minimum deposit for this certificate is $1,000. They are also offering rates of 5.50% apy and higher on a number of their regular and IRA jumbo share certificates at deposit levels starting at $40,000. See site for details.

Field of membership in Western Credit Union is open to those who live, work, worship or attend school in a number of Ohio communities. Membership is also open to employees who work for any one of over 400 select employee groups. See site for additional information.

5.50% Veridian Credit Union 15 Month Jumbo Share Certificate

Veridian Credit Union is offering 5.50% apy on a 15 month jumbo share certificate. The minimum deposit for this account is $100,000.

Field of membership in Veridian Credit Union, formerly known as John Deere Community Credit Union, is open to those live or work in certain Iowa Counties, work for certain select employer groups, or live in the state of Iowa and have a disability as defined by the Americans with Disabilities Act of 1990. See site for details.

6.25% Navy Federal Credit Union 7 Year Share Certificate

Navy Federal Credit Union has increased the rate of their 7 year share certificate to 6.25% apy. They had been offering a rate of 6.00% apy since I originally posted about this certificate back in October. The minimum deposit for this rate is $20,000. Lesser deposits starting at $1,000 earn 5.75% apy. These rates apply to both regular and IRA certificate shares.

Field of membership for Navy Federal 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.

Lockheed Federal Credit Union 12, 18, & 24 Month Jumbo Share Certificates, Rates of 5.50% & Above

Lockheed Federal Credit Union is offering high rates on a number of their jumbo share certificates. They are offering 5.50% apy on their 12 & 18 month jumbo share certificates and 5.56% apy on their 24 month jumbo share certificate. The minimum deposit for these certificates is $100,000. To qualify for these rates, you must be eligible for the credit union's Gold Relationship Rewards Tier. This Gold Tier requires the credit union's Checking or Money Market Account and a minimum combined balance of $25,000 in Savings, Checking, Money Market, or loan balances. Those with a Lockheed Federal Credit Union Brokerage account automatically qualify for the Gold Tier. Those with $100,000 in combined balances qualify for the credit union's Platinum Tier and earn a .15% higher rate on these certificates. Other lower rates are available for additional Tiers. See site for details.

Field of membership in Lockheed Federal Credit Union is open to all by virtue of membership in the Achievers Club if you don't otherwise qualify for Lockheed FCU membership. Membership in the Achievers Club costs $5 and you may join through the online Lockheed FCU membership application.

5.75% Entertainment Industries Federal Credit Union 12 Month Share Certificate Special

Entertainment Industries Federal Credit Union is offering 5.75% apy on a 12 month share certificate special. The minimum deposit for this special is $500. To qualify for this rate you need to have this credit union's free checking account and net check direct deposit. Those without checking and direct deposit earn 5.25% apy.

Field of membership in Entertainment Industries Federal Credit Union includes those belonging to certain select sponsor groups. Contact the credit union for additional information.

Omni Community Credit Union Share Certificate Specials, Rates up to 5.75%

Omni Community Credit Union is offering two share certificate specials. The first is a 5 month share certificate with a rate of 5.50% apy. The second is an 11 month share certificate with a rate of 5.75% apy.

Field of membership in Omni Community Credit Union is open to anyone who lives, works, worships, or attends school in the Michigan Counties of Branch, Barry, Calhoun, Eaton, Kalamazoo or St. Joseph.

5.70% Digital Credit Union American Dream Home-Ownership Account

Digital Federal Credit Union continues to offer a deposit account called the American Dream Home-Ownership Program. I orginally posted on this account last September. This account pays a variable rate, currently 5.70% apy. The ratee is adjusted quarterly and "will consistently be among the highest certificate rates offered on the longest term DCU Savings Certificate products". The minimum deposit for this account is $100 and additional deposits can be made any time up to a $25,000 account balance. This account has a 60 month term and will renew at maturity. Withdrawls may be made at any time without penalty when a Residential Purchase & Sale agreement or Offer to Purchase in the name of Prime and/or joint account owner is provided to the credit union. See the Terms of the American Dream Home-Ownership Program on Digital Federal Credit Union's website for more information.

Field of membership in this 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.

Palisades Federal Credit Union 10% 12 Month Share Certificate Special($2,000 Max) & 6.00% 24 Month Term Step Up Share Certificate Special

Palisades Federal Credit Union continues to offer a 10.00% 12 month share certificate special. The minimum deposit for this special is $500 with a $2,000 maximum. There are numerous conditions and restrictions on this offer. See my August post for more information.

Palisades Federal Credit Union also continues to offer 6.00% apy on a 24 Month Term Step Up Share Certificate. The minimum deposit for this rate is $50,000 and you must have a Palisades Federal Credit Union checking account with direct deposit. Lesser deposits starting at $500 with checking and direct deposit earn 5.75% apy. See site for additional details.

Field of membership in Palisades Federal Credit Union is extended to anyone who lives, works, worships, or attends school in Rockland County, NY.

5.75% Kent County Federal Credit Union 60 Month "Online" Share Certificate

Kent County Federal Credit Union is offering 5.75% apy on a 60 month "Online" share certificate. The minimum deposit for this certificate is $500. You must purchase your Online Share Certificate via CU@Home.

Field of membership in Kent County Federal Credit Union is open to those who live, work, worship, or attend institutions of higher education in Kent County, Michigan.

5.75% LA Times Federal Credit Union 12 Month Share Certificate

Los Angeles Times Federal Credit Union is offering 5.75% apy on a 12 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.

5.65% Visions Federal Credit Union 6-29 Month Share Certificates

Visions Federal Credit Union is offering 5.65% apy on 6-29 month share certificates. The minimum deposit requirement for 6-11 month share certificates is $2,500 while 12-29 month share certificates require a minimum deposit of $500. 5 year share certificates also earn 5.65% apy with a minimum deposit of $500. This rate is good for both regular and IRA share certificates. To qualify for this rate, you must have a combination of other financial products with the credit union. For example, those who have a VisionsPlus Checking Account with a Visa Check Card and a Visions Gold or Platinum Card would qualify for this rate. Certain other product combinations will also qualify you for this rate. See site for details.

Field of membership in Visions Federal Credit Union is extended to those who live in the NY Counties of Broome, Chenango, Tioga, the City of Syracuse, NY, or Bradford County, PA. Certain residents of Chemung and Schuyler in New York are also eligible. Contact the credit union for more information.

5.80% Associated School Employees Credit Union 18 Month Share Certificate

Associated School Employees Credit Union is offering 5.80% apy on an 18 month share certificate. The minimum deposit for this certificate is $1,000.

Associated School Employees Credit Union has branches in Austintown, Boardman, and Youngstown, Ohio. Field of membership in Associated School Employees Credit Union is primarily made up of members of education related organizations. See site for details.

This credit union is insured by American Share Insurance and is not federally insured. See this link for more information about American Share Insurance.

6.14% Endura Financial Credit Union 60 Month Variable Rate Certificate & Other High Rates

Endura Financial Federal Credit Union, formerly known as 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 Endura Financial 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% North Shore LIJ Health System Federal Credit Union 8 Month Share Certificate Special

North Shore LIJ Health System Federal Credit Union is offering 6.00% apy on an 8 month share certificate special. The minimum deposit for this special is $1,000 and this certificate must be funded with money new to the credit union.

Currently this credit union is offering a deposit of $5 into your account when you join online. When you are referred by a current member and open a checking account with direct deposit, you and that member will each receive $25 deposited into your savings or checking account. See site for details.

Field of membership in Long Island, NY based North Shore LIJ Health System Federal Credit Union is detailed here.

6.00% Sharefax Credit Union 80 Month Share Certificate

Sharefax Credit Union is offering a rate of 6.00% apy on an 80 month share certificate for those who are over 50 and qualify for the Classic 50 Club. The minimum deposit for this certificate is $15,000. You also must have a credit card and checking account with the credit union is open this account.

Field of membership in Sharefax Credit Union is extended to those who live, work, worship, or attend school in any of a number of greater Cincinncati, Ohio area communities. Membership is also extended to those who belong to any of a number of select employee groups. See site for details.

5.65% USF Federal Credit Union 1 Year Share Certificate

USF Federal Credit Union is offering a rate of 5.65% apy on a 1 year share certificate. The minimum deposit for this certificate is $500. Rates of 5.50% apy and higher are also available on certificates with terms between 6 months and 5 years. See site for details.

Field of membership in USF Federal Credit Union is extended to faculty, staff, and students on any University of South Florida campus as well as employees of organizations housed on campus. Current members of the University of South Florida Alumni Association and immeadiate family members of current members are eligible for membership in this credit union as well.

5.60% US Federal Credit Union 7 Month Share Certificate Special

US Federal Credit Union is offering 5.60% apy on a 7 month share certificate special. The minimum deposit for this certificate is $10,000. You must have a US Federal Checking account with direct deposit to qualify for this offer. This special is listed on the credit union's website as effective for the week of January 16th through the 22nd.

Field of membership in US Federal Credit Union is extended to those who live, work, worship, volunteer, or attend school in the Greater Twin Cities, MN, Northfield, MN, and Altlanta, GA communities as defined by the credit union. Membership is also extended to those who work for any of a number of certain select employee groups or are members in any of a select number of associations. See site for details.

6.40% Premier Financial Credit Union 60 Month Jumbo IRA Share Certificate, 6.00%+ Rates Available on Other Share Certificates

Premier Financial Credit Union is offering 6.40% apy on a 60 month Jumbo IRA certificate. The minimum deposit for this rate is $100,000. They are also offering rates of 6.00% apy and higher on a number of other certificates with varying deposit levels and terms. See site for details.

Field of membership in Premier Financial Credit Union is primarily composed of select employer groups and organizations in Michigan, as well as a number of Auto, Powersport, RV and Marine Dealers and their clients.

5.82% Colorado State Employees Credit Union 5 Year Jumbo Share Certificate & Other High Rates

Colorado State Employees Credit Union is offering 5.82% apy on a 5 year jumbo share certificate. The minimum deposit for this rate is $100,000. The credit union is also offering high rates on a number of other share certificates. They are offering 5.81% apy on both their 3 and 4 year jumbo share certificates. They are also offering a rate of 5.52% apy on their 18 month jumbo share certificate.

Field of membership in Colorado State Employees Credit Union is extended to Colorado State employees and members of any of a number of certain select organizations. See site for details.

5.75% Salt Lake Credit Union 60 Month Share Certificate

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

Field of membership in Salt Lake Credit Union is extended to those who live in Salt Lake County, Utah. Membership is also extended to those who belong to certain select groups or associations. See site for details.

U.S. Postal Service Federal Credit Union Share Certificate Specials, Rates up to 6.17%

U.S. Postal Service Federal Credit Union is offering two high rate share certificates. The first is a 26 week Money Market Share Certificate that earns 6.17% apy. The minimum deposit for this certificate is $5,000. The second certificate special is a 6 month share certificate that earns 6.14% apy. The minimum deposit for this certificate is $250. Both of these certificates are being offered through January 31st.

Field of membership in U.S. Postal Service Federal Credit Union is extended to United States Postal Service employees who aren't eligible for service through another United States Postal Service employee-type credit union. Membership is also extended to those who belong to certain select employee groups. See site for details.

6.33% Team & Wheel Federal Credit Union 60 Month Certificate Share

Team & Wheel Federal Credit Union is offering 6.33% apy on a 60 month certificate. They are also offering a rate of 5.90% apy on a 48 month share certificate. The minimum deposit for both of these share certificates is $50,000.

Field of membership for this credit union appears to be union based.

5.80% Silver State Schools Credit Union 36 Month Jumbo Share Certificate & 60 Month IRA Share Certificate

Silver State Schools Credit Union is offering 5.80% apy on their 60 month IRA share certificate as well as their 36 month jumbo share certificate. The minimum deposit for IRA share certificates is $500, while jumbo share certificates requires a $100,000 minimum deposit.

Among other ways to meet the field of membership in Silver State Schools Credit Union, those who are sponsors of PBS TV Station KLVX Channel 10 in Nevada are eligible to join the credit union. See site for details.

5.55% Northern Federal Credit Union 36 Month Share Certificate

Northern Federal Credit Union is offering 5.55% apy on a 36 month share certificate. The minimum deposit for this rate is $50,000. Lesser deposits earn lower rates. This credit union also continues to offer a high rate of 6.25% apy on their Coverdell Education Savings certificates. I originally posted on this Coverdell certificate back in June.

Field of membership in Northern Federal Credit Union is open to anyone who lives or works in any of the following Illinois counties: Boone, DeKalb, DuPage, Grundy, Kane, Kendall, Lee, McHenry, Ogle, Stephenson, Will and Winnebago.

6.19% Los Angeles Federal Credit Union 6 Month Share Certificate

Los Angeles Federal Credit Union is offering 6.19% apy on a 6 month share certificate special. The minimum deposit for this special is $1,000 and this certificate must be funded with money new to the credit union. This offer is good until January 31st.

Field of membership for Los Angeles Federal Credit Union is detailed here. For those in the greater Los Angeles area who aren't otherwise eligible, one way to meet this field of membership is to join the Los Angeles Charitable Association, Inc. Membership dues in this association can be as little as $1.

5.50% Coastal Federal Credit Union 15 Month Share Certificate Special

Coastal Federal Credit Union is offering 5.50% apy on a 15 month share certificate special. The minimum deposit for this certificate is $2,500. This is a limited time offer.

Field of membership for Coastal Federal Credit Union is detailed here. Among other ways to qualify for membership in this credit union, those who join the Coastal Capital Club for $10 are eligible for memberhip in Coastal Federal Credit Union.

5.50% Tower Federal Credit Union 18 Month Share Certificate Special

Tower Federal Credit Union is offering 5.50% apy on an 18 month share certificate special. The minimum deposit for this special is $10,000 and this account must be funded with money new to the credit union. See site for details.

Field of membership in Tower Federal Credit Union is extended to those who belong to any of a number of certain select organizations or associations, like the American Physical Society. See site for details.

5.69% Educational Employees Credit Union 6 Month Jumbo Share Certificate and Other High Rates

Educational Employees Credit Union is offering 5.69% apy on a 6 month jumbo share certificate. They are also offering 5.59% apy on a 1 year jumbo share certificate. The minimum deposit for both of these rates is $100,000. Rates for both 6 month and 1 year share certificates with lesser deposits starting at $10,000 earn 5.48% apy. Deposits starting at $50,000 earn 5.54% apy.

Field of membership in Educational Employees Credit Union is extended to those who are employees or students of any accredited or licensed school system, state college, community college, or university in the California Counties of Fresno, Kings, Tulare, Merced, Madera, Mariposa, Inyo, San Luis Obispo, San Benito, or Monterey. See site for additional details and additional ways to qualify for membership.

7.00% MidAmercian Credit Union 7 Month Share Certificate Special ($700 Max)

MidAmerican Credit Union is offering 7.00% apy on a 7 month share certificate special. The minimum deposit for this certificate is $100 and the maximum deposit limit is $700. There is a limit of one certificate special per member. This special is good for regular, IRA, Coverdell, and HSA share certificates.

Field of membership in MidAmerican Credit Union is extended to those who are residents of the state of Kansas and employees of Kansas based companies.

6.00% Arlington Virginia Federal Credit Union 3 Month Share Certificate

Arlington Virginia Federal Credit Union is offering 6.00% apy on a 3 month share certificate. This certificate must be funded with money new to the credit union. The credit union is offering this special through March 31, 2007

Field of membership in Arlington Virginia Federal Credit Union is open to those who live, work, worship, volunteer, regularly do business or attend school in Arlington County, Virginia.

6.00% Carolina Postal Credit Union 12 Month Share Certificate Special

Carolina Postal Credit Union is offering 6.00% apy on a 12 month share certificate special. This certificate must be funded with money new to the credit union. There are a limited number of these promotional certificates available.

Field of membership in Carolina Postal Credit Union includes United States Government Employees & Retirees and United States Postal Employees & Retirees who work or reside in North Carolina, as well as United States Postal Employees who work in the South Carolina Counties of York, Chester, Cherokee, Lancaster, or Chesterfield. See site for additional details.

Founders Federal Credit Union, High Rates Available on Short and Long Term Share Certificates

Founders Federal Credit Union is offering high rates on both their regular and IRA share certificates with maturities ranging from 15 to 48 months. 15 month IRA share certificates have a rate of 5.51% apy. IRA share certificates with maturities ranging from 24-35 months earn 5.46%. 36-47 terms earn 5.61% apy. 48 month IRA share certificates earn 5.72% apy, the highest fixed rate currently offered by Founders. Rates for regular share certificates are slightly lower. The minimum deposit requirement for these regular and IRA fixed rate share certificates is $500. See site for additional details.

This credit union also continues to offer a rate of 5.88% apy on their 36 month variable rate share certificates. See my post here for more details.

Field of membership in Founders Federal Credit Union is extended to those who belong to certain select organizations or employee groups in addition to those who live, work, worship, attend school or volunteer in certain geographic areas. Call for additional details.

5.75% San Jose Credit Union 3 & 6 Month Share Certificate Specials

San Jose Credit Union is offering a rate of 5.75% apy on two share certificate specials with terms of 3 and 6 months. The minimum deposit for either of these term certificates is $1,000 and the maximum allowable deposit is $250,000. These specials must be funded with money new to the credit union and you must have a checking account with direct deposit with the credit union in order to qualify for this offer. This special offer is available as a regular or an IRA share certificate.

Credit for finding this deal goes to Fatwallet member Cameron2003 who posted this in the Fatwallet Finance Forum CD Thread.

Field of membership in San Jose Credit Union is extended to those who live, regularly work, worship, or attend school in the City of San Jose in California. Businesses, corporations, associations, or organizations located in the City San Jose are also eligbible for membership in this credit union. See site for more information on membership eligibility.

5.50% NASA Federal Credit Union 14 Month IRA Share Certificate Special

NASA Federal Credit Union is offering 5.50% apy on a 14 month IRA share certificate special. The minimum deposit for this certificate is $2,000. Regular share certificate accounts with a 14 months term are also available at a rate of 5.35% apy.

Field of membership in NASA Federal Credit Union is open to those who belong to any of a number of select employee groups in addition to those who belong to certain associations that anyone may join. See site for additional details.

5.50% Morristown Federal Credit Union 36 Month Share Certificate

Morristown Federal Credit Union is offering 5.50% apy on a 36 month share certificate with a minimum deposit of $2,000. The credit union also offers a .25% higher rate on share certificates of the same term with a minimum deposit of $50,000.

Field of membership for this credit union includes employees of certain select employee groups. Morristown Federal Credit Union has two branches which are located in Teterboro and Morristown, NJ.

Rainbow Federal Credit Union, Jumbo Share Certificate Rates up to 5.85%

Rainbow Federal Credit Union is offering rates as high as 5.85% apy on their jumbo share certificates. Their 4 year jumbo share certificate earns 5.75% apy, while their 5 year jumbo share certificate currently earns 5.85% apy. The minimum deposit for these certificates is $90,000. These rates are good for both regular and IRA certificates.

Field of membership in Rainbow Federal Credit Union is extended to those who live, work, or attend school in the town of New Gloucester or Androscoggin or Oxford Counties in Maine.

MPD Community Credit Union, Share Certificate Rates as High as 6.06%

MPD Community Credit Union is offering high rates on a number of their share certificates. The highest rate they have available is 6.06% apy on a 24 month share certificate. The minimum deposit for these certificates is $2,500.

Field of membership for MPD Community Credit Union is extended to those who are employees of law enforcement agencies in Davidson County, Tennessee as well as members of certain select organizations. See site for details.

6.00% AP Federal Credit Union 60 Month Share Certificate & Other High Rates

AP Federal Credit Union is offering 6.00% apy on a 60 month share certificate special. The minimum deposit for this share certificate is $25,000. Other high rates are available, including a 5.75% apy 50 month share certificate with a minmimum deposit requirement of $2,000.

Field of membership in AP Federal Credit Union is extended to those who live, work, worship, volunteer, or attend school in Lucas County in the state of Ohio.

5.50% Lake Michigan Credit Union IRA Share Certificate Specials

Lake Michigan Credit Union is offering 5.50% apy on a number of IRA share certificates with a range of maturities. IRA share certificates with terms of 15, 17, 18, & 24 months earn this special rate. The minimum deposit requirement for this offer is $500. This is in addition to the 6.00% 10 month share certificate special from this credit union that I posted on last week.

Field of membership in Lake Michigan Credit Union is extended to those who live, work, worship, or attend school in the Michigan Counties of Allegan, Kent, Muskegon or Ottawa. Membership is also extended to those who are over the age of 55 and receive a retirement payment(ex. Social Security, annuity, pension) and live in or belong to a retirement organization in the county or a county adjacent to where the credit union's main office is located.

Loudoun Credit Union, Share Certificate Rates as High as 5.87%

Loudoun Credit Union is offering high rates on a number of their share certificates. They are offering 5.87% apy on their 60 month Roth IRA share certificates. They are also offering 5.87% apy on both their 36 month traditional IRA and regular share certificates. On two year traditional IRA and regular share certificates, Loudoun Credit Union is offering 5.71% apy. The minimum deposit for all of these share certificates is $1,000.

Field of membership in Loudoun Credit Union is extended to those belonging to a variety of groups with a connection to Loudoun, Virginia.

5.60% San Diego County Credit Union 8 Month Jumbo IRA Share Certificate

San Diego County Credit Union is offering 5.60% apy on an 8 month Jumbo IRA share certificate when you add a .25% rate bonus offer to your account. The minimum deposit for this rate is $90,000. The .25% bonus offer is valid through April 30 on new or renewed 8 Month IRA share certificates. This bonus also applies to 4 and 8 month regular and IRA share certificates for lesser deposits. See site for details.

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.

$50 METRO Credit Union Checking Account Opening Bonus

METRO Credit Union is offering a $50 bonus to those who open a new METRO checking account from January 1st through January 31st. You must begin receiving direct deposit into your checking account within 60 days of account opening to qualify for this offer. To take advantage of this deal you must fill out a coupon which is available at all METRO Credit Union branches. Those who already have a METRO checking account can receive $25 when they begin receiving direct deposit into their account and fill out the special coupon from January 1st through January 31st. See site for additional details.

Field of membership at Michigan based METRO Credit Union is varied. Individuals in the following groups may be eligible for membership: Those working for the cities of Warren or Center Line as well as workers for municipalities located within 25 miles of any METRO branch. Staff, students and alumni of Macomb Community College and a number of school districts. Retirees over the age of 55 that receive retirement benefits and live in Macomb County or any neighboring county. Companies and organizations that have METRO Credit Union Ambassador Group status. See site for further information.

5.88% Abbott Laboratories Employees Federal Credit Union 24 Month Variable Rate Share Certificate

Abbott Laboratories Employees Federal Credit Union is offering 5.88% apy on a 24 month variable rate share certificate. The minimum deposit for this certificate is $500. The rate for this account is determined by adding 1% to the 13-Week Treasury Bill rate from the last business day of the month from the "Money Rates" section of the Wall Street Journal. The rate for this certificate has a floor of 2% apy and a maximum rate of 10% apy. This certificate is available as a regular or an IRA share certificate.

Field of membership in Abbott Laboratories Employees Federal Credit Union is extended to employees and retirees of Abbott Laboratories or it's subsidiaries in addition to their spouses. Membership is also extended to employees and retirees of Hospira and TAP Pharmaceuticals in addition to their spouses.

California Credit Union, 5.50% 9 Month & 5.601% 17 Month Share Certificate Specials

California Credit Union is offering two promotional rate share certificates on their website. The first is a 9 month share certificate at a rate of 5.50% apy. The minimum deposit for this certificate is $1,000 and this account must be funded with money new to the credit union. This account is available as a regular or an IRA share certificate.

The second special is a 5.601% apy 17 month Freedom Option Bump-up Share Certificate . This certificate special requires a minimum deposit of $10,000 and allows one change to it's rate during the term of the certificate to the then current regular 17-month certificate rate. This second account is also available for both regular and IRA share certificates.

Among other routes to joining California Credit Union, membership is extended to those who are members of a Parent Teacher Association or Parent Teacher Student Association.

5.50% Florida Telco Credit Union 12 Month Quick Pay Share Certificate Special

Florida Telco Credit Union is offering 5.50% apy on a 12 month Quick Pay share certificate special. With this certificate, your interest is paid upfront. 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 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.

Fed Choice Federal Credit Union, 5 Year Home Equity Loan Rates as Low as 5.50%

FedChoice Federal Credit Union is offering a rate as low as 5.50% apr on a 60 month home equity loan. Home equity loan amounts may be from $5,000 to $250,000. Closing costs up to $1,000 are waived if you keep the loan for a minimum of 3 years. Loan payments must be made from a FedChoice Federal Credit Union checking account. This offer is good for loans in Maryland, Virginia, Delaware, Pennsylvania, New Jersey, and the District of Columbia.

Field of membership in FedChoice Federal Credit Union, formerly IR Federal Credit Union, is extended to all federal civilian employees, annuitants and their families in the Washington, D.C., Baltimore, and Philadelphia Metropolitan areas. See site for more information.

Research Federal Credit Union Share Certificate Specials, Rates up to 6.30%

Research Federal Credit Union is offering 6.30% apy on a 70 month share certificate special. To qualify for this certificate, you must have a Research FCU checking account with direct deposit. This rate applies to both IRA and regular certificates. The minimum deposit for this special is $5,000 with a $30,000 maximum. This offer has been available for a number of months. I originally posted on this deal in September.

The credit union is also offering 5.60% apy on a 17 month share certificate. The minimum and maximum deposit levels for this certificate are $2,500 and $30,000 respectively. This account is available as both a regular or IRA share certificate. There is no direct deposit requirement for this offer.

A third share certificate special is a 170 day share certificate with a rate of 5.45% apy. This certificate can only be funded with new money. There is no direct deposit requirement for this certificate and this account may be opened as a regular or IRA account. The minimum deposit requirement for this certificate is $5,000 and the maximum deposit limit is $50,000.

Field of membership includes employees and retirees of General Motors who are located at the following locations: the Renaissance Center Corporate Headquarters, the Warren Tech Center, and the Milford Proving Grounds. Membership is also extended to employees and retirees of companies that belong to either the Warren, Center Line, Sterling Heights, Huron Valley, or South Lyon Chamber of Commerce as well as immediate family of any of the aforementioned groups.

5.75% 1st United Services Credit Union 12 Month Triple Advantage Jumbo Share Certificate

1st United Services Credit Union is offering 5.75% apy on a 12 month Triple Advantage Share Certificate. The minimum deposit for this certificate is $100,000. This certificate comes with a bump up feature. If the credit union offers a certificate of this type during the term of this certificate, you have a one time option to bump up your rate to the higher rate available at that time. You may also add funds to this certificate at any time. Another advantage of this account is that you have a one time option to withdraw interest during the term of this certificate.

Field of membership in 1st United Services Credit Union is extended to those who live, regularly work, worship, or attend school in Alameda County, Contra Costa County, or Kings County in California. Businesses, corporations, organizations, or associations in the above areas are eligible as well. Membership is also extended to certain members of the military, civilians, and contractors in the State of Nevada in addition to employees of certain select employee groups. See site for details.

5.75% Patelco Credit Union 12-23 Month IRA Share Certificates

Patelco Credit Union is offering 5.75% apy on IRA share certificates with terms of 12-23 months. The minimum deposit for these certificates is $500. They are also offering regular share certificates with the same range of maturities at a rate of 5.64% apy. The minimum deposit for regular share certificates is $1,000.

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.

Fairwinds Credit Union, Rates up to 6.05% on Jumbo IRA Share Certificates with Relationship Rewards

Fairwinds Credit Union is offering rates as high as 6.05% apy to those who open jumbo IRA share certificates and apply 5000 Relationship Rewards points to their certificate account. Relationship Rewards may earned in a variety of ways. Members earn 100 points for every year they are a member. They also earn 1 point for every dollar of interest earned on deposit accounts and 1 point for every $1 in interest paid on loans with the credit union, with the exception of credit card interest. It takes 2500 points to receive a .25% rate bonus to certificate accounts and 5000 points to receive a .50% rate bonus. Currently, with 5000 Relationship Rewards points, you can earn the following rates on jumbo IRA share certificates:

Rates and Term Length
5.70% apy 6 month share certificate
5.90% apy 12 month share certificate
5.95% apy 24 month share certificate
6.00% apy 36 month share certificate
6.00% apy 48 month share certificate
6.05% apy 60 month share certificate

High rates of up to 6.00% apy are also available for regular share certificates when 5000 Relationship Rewards points are used. See site for further information.

Field of membership in Fairwinds Credit Union is extended to those who live or work in Orange, Seminole, Osceola, Lake, Polk, or Volusia County in Florida. Membership is also extended to those who are over 50 and live within a 50 mile radius of a Fairwinds Credit Union service center and are not currently eligible for membership at another local area credit union. Employees of any one of over 500 select employee groups are eligible for credit union membership as well, in addition to active or retired military personnel or dependents receiving military benefits. See site for details.

6.50% Illinois Community Credit Union 12 Month IRA Share Certificate Special

Illinois Community Credit Union is offering 6.50% apy on a 12 month IRA share certificate. The minimum deposit for this special is $1,000 and this offer is only available on current and previous year IRA contributions. This offer expires on April 16, 2007. The credit union is also offering a 1% rate bonus to all IRA's transferred from other financial institution on their other certificates. With this bonus, rates currently go as high as 5.85% apy.

Illinois Community Credit Union has branches in DeGalb, Genoa, Plano, Rochelle, and Sycamore, IL. Contact the credit union for information about it's field of membership.

6.00% Lockheed Federal Credit Union Money Market Account

According to this ad, Lockheed Federal Credit Union is offering 6.00% apy on their new money market account. This rate is guaranteed through 1/26/07. After that the rate is variable and subject to change on a weekly basis. The minimum deposit for opening this account is $2,500. The maximum deposit for this rate is $10,000. This offer is limited to one per household.

Field of membership in Lockheed Federal Credit Union is open to all by virtue of membership in the Achievers Club if you don't otherwise qualify for Lockheed FCU membership. Membership in the Achievers Club costs $5 and you may join through the online Lockheed FCU membership application.

American First Credit Union Free 1GB iPod Shuffle Checking Account Opening Bonus

American First Credit Union is offering a free 1GB iPod Shuffle when you open a new checking account with direct deposit. Current checking account holders do not qualify for this offer. This offer is good through 2/28/07 or while supplies last. See site for additional details.

Field of membership in American First Credit Union is extended to those who live, work, or worship in Orange County, Corona, or Chino Hills in California in addition to employees of over 100 select employer groups across the country.

6.03% Dow Great Western Credit Union 36 Month IRA Certificate Share

Dow Great Western Credit Union is offering 6.03% apy on a 36 month IRA certificate share. The minimum deposit for this rate is $1,000. They are also offering 5.50% apy on a regular 6 month share certificate.

Field of membership in Dow Great Western Credit Union is extended to those who live or work in Antioch or Pittsburg, California as well as members of the Chambers of Commerce of Antioch and Pittsburg and their employees.

Selfreliance Ukrainian American Federal Credit Union Money Market Account, Rates as High as 5.00%

Selfreliance Ukrainian American Federal Credit Union is offering 5.00% apy on their money market account for deposits greater than $50,000. Deposits between $1,000 and $50,000 earn 4.07% apy. Deposits under $1,000 earn .51% apy.

Field of membership in this credit union is extended to those who are members of the Selfreliance Association of Ukrainian Americans. Membership in this association is open to those of Ukrainian descent, spouses of Ukrainians, and/or members of Ukrainian parishes.

Orange County Teachers Federal Credit Union Rate Bonus Update, Rates as High as 6.10% apy Available

Orange County Teachers Federal Credit Union(OCTFCU) is offering a rate bonus of .25% apy on their regular and IRA share certificates through Jan. 31, 2007. There is a limit of one apy rate bonus per member. OTFCU currently offers 5.85% apy on a 60 month jumbo share certificate. When you add in the rate bonus you can currently earn rates as high as 6.10% 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.

6.00% Navy Federal Credit Union 7 Year Share Certificate Update

Navy Federal Credit Union continues to offer a rate of 6.00% apy on a 7 year share certificate. I originally posted about this certificate back in October. The minimum deposit for this rate is $20,000. Lesser deposits starting at $1,000 earn 5.75% apy. These rates apply to both regular and IRA certificate shares.

Field of membership for Navy Federal 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.

6.00% Lake Michigan Credit Union 10 Month Share Certificate Special

Lake Michigan Credit Union is offering 6.00% apy on a 10 month share certificate special. The minimum deposit for this special is $500. This offer is good now through January 13th at their Rockford, Illinois branch. You must make a new deposit or open a new checking account to qualify for this rate. A rate of 5.50% apy is available to those you don't.

Field of membership in Lake Michigan Credit Union is extended to those who live, work, worship, or attend school in the Michigan Counties of Allegan, Kent, Muskegon or Ottawa. Membership is also extended to those who are over the age of 55 and receive a retirement payment(ex. Social Security, annuity, pension) and live in or belong to a retirement organization in the county or a county adjacent to where the credit union's main office is located.

6.00% Bridgeport Federal Credit Union 15 Month Share Certificate Special

Bridgeport Federal Credit Union is offering 6.00% apy on a 15 month share certificate. This certificate must be funded with money new to the credit union. This is a limited time offer which ends on 1/31/07.

This is a small credit union with 2,300 members. Bridgeport Federal Credit Union has two branches located in Bridgeport, CT.

Arizona Holsum Credit Union, Share Certificate Rates up to 6.29%

Arizona Holsum Credit Union is offering high rates on a number of their share certificates. The highest rate listed on their rates page is 6.29% apy for a 5 year IRA share certificate with a minimum deposit of $50,000. Lesser rates are available for other terms and deposit levels. See site for details.

Field of membership in Arizona Holsum Credit Union is extended to neighbors, their family, and friends in the local community of Holsum Bakery as well as employees or business associates of Holsum Bakery. See site for details.

5.92% Visions Federal Credit Union 6-11 Month Share Certificates

Visions Federal Credit Union is offering 5.92% apy on 6-11 month share certificates. The minimum deposit requirement for these certificates is $2,500. This rate is good for both regular and IRA share certificates. To qualify for this rate, you must have a combination of other financial products with the credit union. For example, those who have a VisionsPlus Checking Account with a Visa Check Card and a Visions Gold or Platinum Card would qualify for this rate. Certain other product combinations will also qualify you for this rate. See site for details.

Field of membership in Visions Federal Credit Union is extended to those who live in the NY Counties of Broome, Chenango, Tioga, the City of Syracuse, NY, or Bradford County, PA. Certain residents of Chemung and Schuyler in New York are also eligible. Contact the credit union for more information.