5.83% GE Federal Credit Union 1 year Jumbo IRA Share Certificate

GE Federal Credit Union is offering 5.83% apy on a one year jumbo IRA share certificate. The minimum deposit for this rate is $100,000. Other high rates and terms are available.

Field of membership is extended to those who either live or work in Sharonville, OH, are employees or pensioners of the General Electric Company in Greater Cincinnati, or are employees of one of more than 300 Cincinnati area organizations. There are a number of other ways to qualify for membership in this credit union. See site for additional information.

GSA Federal Credit Union Share Certificates, Rates up to 5.92%

GSA Federal Credit Union is offering high rates on a number of their share certificates. Rates for share certificates with terms of 36 months and up are listed below:

Term APY
36 Month 5.65%
48 Month 5.75%
60 Month 5.92%


The minimum deposit for these certificates is $1,000. You must have direct deposit into a GSA Federal Credit Union share account to earn these rates. Those who don't earn .25% less.

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.

5.50% CEFCU 11 Month Share Certificate Special

CEFCU is offering 5.50% apy on an 11 month share certificate special. The minimum deposit for this rate is $100,000. A rate of 5.40% apy is also available for an 11 month share certificate with a minimum deposit of $5,000. These special certificates are being offered through March 15, 2007.

Field of membership in CEFCU is extended to those who are employees or retirees of Caterpillar or their subsidiaries or dealerships as well as members of certain select employee groups. Membership is also extended to those who live in any of a number of certain Illinois counties. See site for details.

Navy Federal Credit Union Rate Update, Share Certificate Rates up to 6.00%

Navy Federal Credit Union currently offers share certificates with rates as high as 6.00% apy. They now offer 6.00% apy on their 7 year regular and IRA share certificates. This is down from the 6.25% apy which the credit union offered in late January. The minimum deposit for this rate is $20,000. Lesser deposits starting at $1,000 earn 5.75% apy.

Navy Federal Credit Union also continues to offer 6.00% apy on a 15 month share certificate special. The minimum deposit for this special is $8,000. See my post from earlier this month for more information.

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.

6.63% CAHP Credit Union 728 Day Variable Rate IRA Share Certificate & Other High Rates

CAHP Credit Union is offering 6.63% apy on a 728 Day variable rate IRA certificate. Other high rates of 6%+ are also available. See this link for more information about rates and terms.

Field of membership in Sacremento based CAHP Credit Union is extended to those who are employed by certain select California public safety organizations. See site for details.

This Credit Union is privately insured by American Share Insurance and is not federally insured. For more details about American Share Insurance, see the link above.

5.75% MassMutual Federal Credit Union 41 Month Share Certificate Special

MassMutual Federal Credit Union is offering 5.75% apy on a 41 month share certificate special. The minimum deposit for this certificate is $1,000. You must have direct deposit into a MassMutual Federal Credit Union share draft account to qualify for this rate. Members who don't will earn a .20% lower rate. These rates are good for both regular and IRA certificates.

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.

5.40% Peoples Trust Credit Union 18 Month Share Certificate Special

Peoples Trust Credit Union is offering 5.40% apy on an 18 month share certificate special. The minimum deposit for this special is $1,000.

Field of membership in Peoples Trust Credit Union is primarily Michigan based. See site for details.

5.47% Northwoods Community Credit Union 8 Month Share Certificate Special

Northwoods Community Credit Union is offering 5.47% apy on an 8 month share certificate special. The minimum deposit for this rate is $4,000.

Field of membership in Northwoods Community Credit Union is extended to those who live or work in any of the following Wisconsin Counties: Ashland, Bayfield, Iron, Oneida, Price, Sawyer, or Vilas.

Valley First Credit Union "Choose Your Term" 9-18 Month Share Certificates, Rates as High as 5.55%

Valley First Credit Union is offering rates as high as 5.55% apy on share certificates with terms of 9-18 months. The minimum deposit for their highest rate is $50,000. Lesser deposits earn lower rates. These rates apply to both regular and IRA share certificates

Field of membership in Valley First Credit Union is extended to those who live, regularly work or worship, or attend school in San Joaquin or Stanislaus County in California as well as those who belong to certain select employer groups. See site for additional details.

5.54% Rainbow Federal Credit Union 15 Month Share Certificate

Rainbow Federal Credit Union is offering 5.54% apy on a 15 month share certificate. The minimum deposit for this certificate is $1,000.

Rainbow Federal Credit Union is insured by ESI and is not federally insured. For more information about insurance through ESI, you can visit their website.

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.

CFCU Community Credit Union Share Certificate Specials, Rates up to 6.17%

CFCU Community Credit Union is offering a number of share certificate specials. Rates are listed below:

10 & 20 Month Share Certificates
APY Minimum Deposit
5.38% $500
5.51% $25,000
5.64% $100,000

50 Month Share Certificate
APY Minimum Deposit
5.64% $500
5.90% $25,000
6.17% $100,000


You must open a Premiere Checking account with this credit union to qualify for these special rates. These accounts are available as regular or IRA share certificates. This offer is good through 4/30/07.

Field of membership in CFCU Community Credit Union is extended to those who live, work, or attend school in Tompkins or Cortland Counties in the state of New York. Businesses or organizations located in in these counties are also eligible for membership.

DuPage Credit Union Free ScoreCard Rewards Referral Program

DuPage Credit Union is currently offering a referral promotion where members can earn thousands of ScoreCard Rewards points for referring new members. You'll earn 2,500 points for every new member who joins using a completed referral card. You'll also earn 1,000 points for each member who opens a Visa Credit Card and 500 points for each product and/or service the new member opens at the time they join the credit union. You must have a Visa Platinium Rewards Credit Card or a Visa Rewards Check Card to earn these points.

Field of membership in DuPage Credit Union includes those who live or work in DeKalb, DuPage, Kane, Kendall, Lake, McHenry or Will County, IL, attend school in DuPage County, or belong to a select employee group. See site for additional details.

Watertown Employees Federal Credit Union 5.50% 10 Month & 5.75% 24 Month Share Certificate Specials

Watertown Employees Federal Credit Union is offering two share certificate specials. The first is a 10 month share certificate with a yield of 5.50% apy. The second is a 24 month share certificate with a yield of 5.75% apy. The minimum deposit for these certificates is $2,500.

Field of membership for Watertown Employees Federal Credit Union is extended to those who live, work, worship or attend school in Codington County in the state of South Dakota.

6.00% Patriot Federal Credit Union 60 Month IRA Share Certificates

Patriot Federal Credit Union is offering 6.00% apy on their 60 month IRA share certificates. This rate is also good for their 60 month Educational Savings Account share certificates. The minimum deposit for these accounts is $1,000.

Field of membership in Patriot Federal Credit Union is extended to those who live,work, worship, or attend school in Franklin County, Fulton County, Washington County, and the Borough of Shippensburg in Pennsylvania.

KeyPoint Credit Union 7 Month IRA Share Certificate Special, Rates of up to 5.70%

KeyPoint Credit Union is offering a rate of up to 5.70% apy on a 7 month IRA share certificate special with a minimum deposit of $25,000. The base rate for this special is 5.25% apy. You'll earn .25% apy more when you fund this certificate with money new to the credit union. You'll also .25% apy more when you have your net pay directly deposited into a KeyPoint Credit Union checking account. In addition to these rate bonuses, all IRA share certificates earn an additional .20% apy.

Field of membership in KeyPoint Credit Union is extended to those who live, work, or worship in Alameda County, Contra Costa County, Sacramento County, San Mateo County, Santa Barbara County, Santa Clara County, or certain parts of Ventura County in addition to employees of certain eligible companies. See site for additional details.

University of Kentucky Federal Credit Union Jumbo Share Certificates, Rates of up to 5.80%

University of Kentucky Federal Credit Union is offering rates as high as 5.80% apy on their jumbo share certificates. The minimum deposit requirement for these certificates is $90,000. Rates are listed below:

Term APY
1 Year 5.25%
2 Year 5.45%
3 Year 5.55%
4 Year 5.65%
5 Year 5.80%

Regular share certificates are also available with a minimum deposit of $1,000 and rates of up to 5.65% apy.

Field of membership for this University of Kentucky Federal 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.

5.48% Coastal Hills Federal Credit Union 12-23 Month Jumbo IRA Share Certificates

Coastal Hills Federal Credit Union is offering 5.48% apy on jumbo IRA share certificates with maturities of 12 through 23 months. The minimum deposit for these jumbo shares is $100,000.

Field of membership in Coastal Hills FCU includes those "who live, work, worship or attend school in the Central Coast community comprised of San Luis Obispo and North Santa Barbara counties" in California.

6.43% Mountain High Federal Credit Union 18 Month Jumbo Variable Rate IRA Share Certificate

Mountain High Federal Credit Union is offering 6.43% apy on an 18 month jumbo variable rate IRA account on their website. The minimum deposit for this certificate is $100,000. Lesser deposits starting at $50,000 earn 5.90% apy.

Mountain High FCU is a Utah based credit union. Field of membership in this credit union is open to those who live, work, worship or study in Utah or Juab counties as well as immediate family of current members

Telcom Federal Credit Union Bonus IRA Share Certificates, Rates up to 5.55%

Telcom Federal Credit Union is offering a rate bonus of .25% apy to their IRA share certificates. Rates of 5.50% apy for a 48 month share certificate and 5.55% apy for a 60 month share certificate are available. The minimum deposit for these share certificates is $500, with the exception of their 18 month special which yields 5.35% apy and requires a minimum deposit of $2,500.

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.

5.64% Municipal Credit Union 24 & 36 Month Share Certificates

Municipal Credit Union is offering 5.64% apy on their 24 and 36 month share certificates. This rate is good for both regular and IRA share certificates. The minimum deposit requirement for both types of accounts is $500.

Field of membership in Municipal Credit Union is extended to New York City employees, Federal and State employees who work in any of the five boroughs, health care professionals working in New York State, employees of the City of Yonkers, and those who belong to any of a number of other select groups. See site for additional information.

5.50% California Credit Union 11 Month Expert Earner Savings Certificate

California Credit Union is offering 5.50% apy on an 11 month share certificate special. The minimum deposit for this certificate is $10,000 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.

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.

America First Credit Union, Share Certificate Rates up to 5.70%

America First Credit Union is offering rates of up to 5.70% apy on their regular and IRA share certificates. Rates for share certificates with a maturity of 24 months earn 5.50% apy and rise all the way up to 5.70% apy for a 60 month share certificate. The minimum deposit requirement for these certificates is $500.

Field of membership in America First Credit Union is extended to those who live, work, regularly conduct business, worship, attend school, or volunteer in Salt Lake County, Utah or within a 12 mile radius of the Mesquite Nevada Post Office. Membership is also extended to immediate family of current members, those who are eligible for membership, and those who died while within this credit union's field of membership.

Huron River Area Credit Union Placed in Conservatorship

According to a letter from the Michigan Office of Financial and Insurance Services posted on this credit union's website, Huron River Area Credit Union has been placed in Conservatorship. The letter states that the credit union "will remain operational and member service will continue uninterrupted. Credit union members are free to make deposits, access funds, make loan payments and use share drafts." This credit union is insured by the National Credit Union Administration(NCUA), a federal agency. You can read more about the NCUA here.

Thanks goes to the reader who left a comment about this important development on the Hot Tips post.

TMH Federal Credit Union, Share Certificate Rates Up to 6.06%

TMH Federal Credit Union is offering high rates on a number of their share certificates. Jumbo rates range from 5.54% apy for a one year share certificate to 6.06% 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.

5.75% Miami Postal Service Credit Union 18 Month Share Certificate

Miami Postal Service Credit Union is offering 5.75% apy on an 18 month share certificate. The minimum deposit for this certificate is $1,000.

Field of membership in Miami Postal Service Credit Union is extended to those who are United States Postal Service employees within the State of Florida, current and retired Federal Employees living or working in Dade County, and those who belong to any of a number of certain select employee groups among others. See site for details.

Shoreline Credit Union Prime Share Certificates, Rates as High as 5.75%

Shoreline Credit Union is offering "Prime CD's" with yields tied to the Prime Rate. These certificates are available with 12, 24, and 36 month terms. Rates are subject to change with the Prime Rate. Currently these shares yield 5.24% apy, 5.50% apy, and 5.75% apy respectively. The minimum deposit requirement for these certificates is $5,000.

Field of membership in Wisconsin based Shoreline Credit Union is extended to those who live, work, or are retired in the counties of Manitowoc or Kewaunee. Membership is also extended to families of members.

6.01% Northern Federal Credit Union Free Checking with Rewards

Northern Federal Credit Union is offering a high rate checking account called Free Checking with Rewards. This account earns 6.01% apy on balances from $.01 to $25,000. To qualify for this rate you meet the following conditions listed on the credit union's website:

Receive a direct deposit or conduct an ACH debit
Receive monthly e-statements instead of paper statements
Make 10 or more debit card point-of-sale transactions (excludes ATM withdrawals)
Login to Virtual Branch online banking at least one time.

This account also refunds ATM fees when you meet the aforementioned conditions.

Field of membership in New York based Northern Federal Credit Union is extended to those who live, work, worship, or attend school in Jefferson County, Lewis County, or any of a number of select St. Lawrence County towns. Among others, membership is also extended to those who belong to certain select employee groups. See site for details.

San Diego County Credit Union 8 Month IRA Share Certificate Special Update, Rates Now up to 5.70%

San Diego County Credit Union is now offering 5.70% apy on an 8 month Jumbo IRA share certificate when you add a .25% rate bonus offer to your account. This is up from the rate of 5.60% apy I orginally posted on last month. 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 with 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.

6.07% Ukrainian Federal Credit Union 7-24 Month IRA Share Certificate Special

Ukrainian Federal Credit Union is offering 6.07% apy on an IRA share certificate special. This special is available with terms of 7 months to 2 years. This certificate must be funded with new 2006 or 2007 tax year IRA contributions or a direct transfer/rollover of funds from an IRA at another financial institution. The minimum deposit for this special is $500. This special is being offered through April 15, 2007.

Field of membership in this credit union is extended to those who belong to a number of Ukrainian related organizations, churches, and associations. See site for details.

6.10% Honeywell Aerospace Federal Credit Union 5 Year Jumbo Share Certificate

Honeywell Aerospace Federal Credit Union is offering 6.10% apy on a 5 year jumbo share certificate. The minimum deposit for this rate is $100,000.

Honeywell Aerospace Federal Credit Union has a limited field of membership with branches located in Arizona and New Mexico.

7.00% Community West Credit Union Checking Account($500 min/max for dividends)

Community West Credit Union is offering 7.00% apy on their CWCU Checking Account. You must maintain a minimum balance of $500 to earn this rate and dividends are only paid on the first $500 in this account. You also must have at least two direct deposits totaling $200 per month to qualify for this offer.

Field of membership in Michigan based Community West Credit Union is extended to those who live, work, worship, or attend school in the counties of Kent, Ottawa, Ionia, Barry, or Allegan. Among others, membership is also extended to those who belong to any of a number of certain select companies, clubs, and Publishassociations. See site for details.

9.00% Elevations Credit Union 9 Month Share Certificate Special ($2,000 Max)

Elevations Credit Union is offering 9.00% apy on a 9 month share certificate special. This special is available to new members at the time they open a new savings and checking account or for current members who open a dividend bearing checking account with the credit union. New members must deposit $25 into their savings account. This certificate has a minimum deposit requirement of $1,000 with a maximum deposit limit of $2,000. Additional deposits are allowed up to the maximum deposit limit during the term of this certificate. See site for additional details.

Field of membership in Elevations Credit Union is open to all students, faculty, staff, and alumni association members of the University of Colorado system. Membership is also extended to those who belong to certain select employee groups. Additionally, residents of Boulder County who are 50 years of age or older may qualify for membership in Elevations Credit Union by becoming a member of the 50 & Better Club.

5.50% Fairfax Community Credit Union 1/5 Rate Protection Share Certificate Special

Fairfax Community Credit Union is offering 5.50% apy on their 1/5 Rate Protection Share Certificate Special. You may make a penalty free withdrawl from this certificate during the 10-day period after the one-year anniversary of the opening of the certificate. If you don't exercise this option, this certificate will continue to earn 5.50% apy for the next four years. The mimimum deposit for this certificate is $1,000. See site for additional details.

Field of membership is in Fairfax Community Credit Union is extended to those who live, work, worship, attend school or volunteer in Fairfax County, VA in addition to their family members.

6.14% Martin County Credit Union 1 year Premier Share Certificate

Martin County Credit Union is offering a 6.14% apy 1 year share certificate. The minimum deposit for this certificate is $5,000. Also, to qualify for this rate, a new loan must be opened at the credit union. I orginally posted on this offer last May.

Field of membership is limited to those who work or live in Martin County, Florida as well as a variety of select employer groups.

5.50% Fort Knox Federal Credit Union 7-11 & 13-17 Month Pick-a-Term Share Certificates

Fort Knox Federal Credit Union is offering 5.50% apy on their Pick-a-Term share certificate. You may choose a term from 7 to 11 months and 13 to 17 months for this certificate special.

Field of membership in Fort Knox Federal Credit Union is open to those who are members of certain select employer groups or those who live, work or worship in Boyle, Breckinridge, Grayson, Hart, LaRue, Meade or Nelson Counties in Kentucky. Membership is also extended to relatives of anyone who can currently become a member.

Telco Federal Credit Union(New York) 5.72% 36 Month & 5.61% 24 Month Share Certificates

Telco Federal Credit Union is offering two high rate share certificates. They are offering 5.72% apy on a 36 month share certificate and 5.61% apy on a 24 month share certificate. The minimum deposit for these rates is $10,000. Similar term share certificates requiring lesser deposits are available at lower rates. See site for details.

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 more information.

5.40% Paragon Federal Credit Union 15 Month Share Certificate Special

Paragon Federal Credit Union is offering 5.40% apy on a 15 month share certificate with a minimum deposit of $10,000. This certificate must be funded with money new to the credit union.

Field of membership 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.

5.50% San Antonio Credit Union 12 Month Share Certificate

San Antonio Credit Union is offering 5.50% apy on a 12 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.

Radolph Brooks Federal Credit Union Freedom Check Card Cash Back Offer

Randolph Brooks Federal Credit Union is offering a promotion where you can earn 10 cents for every purchase you make with their Freedom Check Card. This cash back offer is good from February 1, 2007 through December 31, 2007. Cash back earned through this offer will be paid on or by January 31, 2008.

According to Randolph Brooks Federal Credit Union's website, there are over 1,000 ways to meet their field of membership requirements. This credit union has branches in Arizona and Texas. See site for details.

Washington Telephone Federal Credit Union Share Certificates, Yields as High as 5.870%

Washington Telephone Federal Credit Union is offering high rates on a number of their share certificates. They currently have two high rate share certificate specials on their website. They are offering a 12 month share certificate special with a yield of 5.55% apy and minimum deposit requirement of $2,500. They are also offering a 24 month share certificate special with a yield of 5.65% apy and a minimum deposit requirement of $5,000. Both of these specials must be funded with money new to the credit union. See site for additional terms and conditions for these specials.

In addition to the certificate specials mentioned above, this credit union is offering competitive rates on a number of their regular and IRA share certificates. They are offering a rate of 5.870% apy on both their 72 month regular and IRA share certificates. The minimum deposit requirements for these certificates are $2,000 and $500 respectively. See this link for additional rates and terms.

This credit union is also offering 6.99% APR on their VISA Platinum Classic and Visa Platinum Cards for new purchases and balance transfers posted through April 30th, 2007. Credit lines go up to $9,999 for the Platinum Classic card and up to $25,000 for the Platinum card. See site for additional details.

Thanks very much to Adriana who left a comment about these deals on the Hot Tips link where readers can share credit union deals that they have found.

Field of membership in Washington Telephone Credit Union includes those who live, work, worship, or attend school in Washington, DC or the section of Prince George County, Maryland inside the beltway. This credit union is insured by the NCUA.

5.64% Deer Valley Credit Union 5 Year Share Certificate

Deer Valley Credit Union is offering 5.64% apy on a 5 year share certificate. The minimum deposit for this certificate is $500.

Also, since today is Valentine's Day, here's a link from this credit union's website on how to make your own gummi bears.

Field of membership in Deer Valley Credit Union is extended to those who live, work, or worship in anyone of 93 ZIP codes located in Central, North and Northwest Phoenix, AZ.

Wescom Credit Union 5 Month Relationship Share Certificate with Rates as High as 5.50%

Wescom Credit Union is offering a rate as high as 5.50% apy on a 5 month Relationship Share Certificate. The rate for this certificate is based on their current 3 month share certificate which currently yields 4.25% apy. For each of the following that you have with the credit union at the time the application for this certificate is received, you'll earn .25% more, up to 5.50% apy: Active BillPay, Direct Deposit, Active Checking Account, Wescom Financial Services Account, Certificate opened with $5,000 or more from another financial institution. This certificate has a minimum deposit requirement of $500 and a maximum deposit limit of $250,000. See site for additional details.

Field of membership in this Wescom Credit Union is extended to those who live, work, worship, or go to school in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara or Ventura counties in California.

5.75% Patelco Credit Union 14 Month Share Certificate

Patelco Credit Union is offering 5.75% apy on a 14 month share certificate. The minimum deposit for this certificate is $1,000 and 50% of the money used to fund this account must be new to the credit union.

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.

6.00% Rockland Federal Credit Union 12 Month IRA Share Certificate Special

Rockland Federal Credit Union is offering 6.00% apy on a 12 month IRA share certificate special. This IRA share certificate must be funded with new contributions. This account has a $25 minimum deposit requirement and a maximum deposit limit of $5,000.

Field of membership in Rockland Federal Credit Union is extended to those who live or work in the Massachusettes Counties of Barnstable, Bristol, Middlesex, Norfolk, Plymouth or Suffolk.

6.00% Valley Federal Credit Union 6 Month Share Certificate Special, February 14th Only

Valley Federal Credit Union is offering 6.00% apy on a 6 month share certificate special for one day only on February 14th. This certificate has a minimum deposit requirement of $1,000 and a maximum deposit limit of $10,000. This special must be funded with money new to the credit union.

This credit union is also offering a 30 month share certificate special for one day only on February 14th. This certificate yields 5.00% apy and has a minimum deposit requirement of $500.

Field of membership in Valley Federal Credit Union is limited. Membership is open to "any person who lives or works in the following Montana counties: Yellowstone, Musselshell, Big Horn, Treasure, Carbon, Stillwater, Golden Valley, and Sweet Grass." Immediate family of members also qualify for membership no matter where they live or work.

Orange County Teachers Federal Credit Union Jumbo Share Certificates, Rates as High as 5.85%

Orange County Teachers Federal Credit Union(OCTFCU) is offering high rates of up to 5.85% apy on their jumbo share certificates. Rates are listed below:

Term APY
06 - 11 Month 5.50%
12 - 17 Month 5.55%
18 - 23 Month 5.60%
24 - 29 Month 5.65%
30 - 47 Month 5.70%
48 - 59 Month 5.75%
60 Month 5.85%

The minimum deposit for these rates is $100,000. Lower rates are available for certificates with lesser deposits.

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.

6.50% Wescom Credit Union Transition IRA Account

Wescom Credit Union is offering 6.5% apy on a Transition IRA account. This IRA account is for rollovers from a qualified retirement plan and has a 6 month term. See site for details.

Field of membership in this Wescom Credit Union is extended to those who live, work, worship, or go to school in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara or Ventura counties in California.

South Florida Federal Credit Union, Share Certificate Rates up to 6.15%

South Florida Federal Credit Union is offering three share certificate specials with rates of 6.05% and higher. Rates are listed below:

Term APY
13 month 6.05%
18 month 6.10%
24 month 6.15%

The minimum deposit for these certificates is $2,000.

Field of membership in South Florida Federal Credit Union is extended to those who are members of the Jewish Orthodox Community in South Florida as well as employees of any of a number of certain select employee groups. See site for details.

7.00% La Capitol Federal Credit Union Bonus Rate IRA

La Capitol Federal Credit Union is offering 7.00% apy on their Bonus Rate IRA account for new contributions made between January 1st and December 31st. There is no minimum deposit for this account.

Field of membership in La Capitol Federal Credit Union is extended to those who live, work, worship or attend school in Downtown Baton Rouge or the Parishes of Allen, Lincoln, Natchitoches, Rapides, Terrebonne or Tangipahoa in Louisiana. Membership is also extended to faculty, staff, and students of the University of Louisiana at Monroe, Louisiana Tech University, Northwestern State University, Southeastern Louisiana University, Delgado Community College, or Baton Rouge Community College. Members of certain select groups are eligible as well. See site for details.

6.00% Great Lakes Credit Union 13 Month IRA Share Certificate & 5.55% 5 Month Share Certificate

Great Lakes Credit Union is offering two share certificate specials. The first is a 13 month IRA share certificate with a yield of 6.00% apy. The second is a 5 month share certificate with a yield of 5.55% apy. The minimum deposit for the 5 month certificate is $500. No minimum was listed on their website for the 13 month special.

Field of membership in Great Lakes Credit Union is extended to those who live or work in the Illinois Counties of Lake or McHenry or the Wisconsin County of Kenosha. Membership is also extended to those who belong to certain select employee groups among others. See site for details.

8.00% Spokane Law Enforcement Credit Union 24 Month IRA Share Certificate

Spokane Law Enforcement Credit Union is offering 8.00% apy on a 24 month IRA share certificate special. The minimum deposit for this special is $2,000.

Field of membership in Spokane Law Enforcement Credit Union is primarily extended to law enforcement employees, retirees, and volunteers in the Spokane, Washington area and their families. See site for details.

6.00% US Alliance Credit Union 7 Month Share Certificate Special

US Alliance Credit Union is offering 6.00% apy on a 7 month share certificate special. The minimum deposit for this special is $25,000.

Field of membership in US Alliance Credit Union is extended to those who live or work in the Downtown Denver Area, the towns of Firestone, Frederick, or Dacono, or the Weld County sections of Longmont and Erie, Colorado. Membership is also extended to those who belong to any of their select partner groups or home owner groups. See site for details.

6.00% Achieve Financial Credit Union 15 Month IRA Share Certificate Special

Achieve Financial Credit Union is offering 6.00% apy on a 15 month IRA share certificate special. The minimum deposit for this special is $500.

Field of membership in Achieve Financial Credit Union includes those who work for any of a number of Central Connecticut Boards of Education or health care facilities among others. See site for details.

6.00% Penn State Federal Credit Union 60 Month IRA Share Certificate Special

Penn State Federal Credit Union is offering 6.00% apy on a 60 month IRA share certificate special. The minimum deposit for this special is $500. You must have a Penn State Federal Credit Union checking account with direct deposit to qualify for this special. In addition to this special, this credit union is waiving it's membership fee through the end of February.

Field of membership in Penn State Federal Credit Union is extended to those who work, attend class, or retired from Penn State University. Membership is also extended to a variety of other select groups and associations. See site for details.

6.00% MCAS Beaufort Federal Credit Union 15 Month Share Certificate Special & Other High Rates

MCAS Beaufort Federal Credit Union is offering 6.00% apy on a 15 month share certificate special. The minimum deposit for this special is $10,000. I first reported on this certificate last October.

The credit union is also offering a rate of 5.75% apy on their share certificates with terms of 1 year to 36 months. IRA share certificates with the same maturities earn 5.88% apy. The minimum deposit for these certificates is $500.

Field of membership in MCAS Beaufort Federal Credit Union is extended to those who live or work in Beaufort County, South Carolina.

6.00% Huron River Area Credit Union 12 Month Share Certificate Special

Huron River Area Credit Union is offering 6.00% apy on a 12 month share certificate special. The minimum deposit requirement for this account is $5,000 and there is a maximum deposit limit of $100,000. This offer expires on February 28th.

Among other avenues to membership in Michigan based Huron River Area Credit Union, those who belong to Learn&EarnCredit.org are eligible to join the credit union. See site for for more information.

7% Wescom Credit Union 7 Month Share Certificate Special

Wescom Credit Union is offering 7.00% apy on their "Lucky 7 Certificate" to members who open an account at a Wescom branch over any of the next 4 Sundays, Feb 11, Feb 18, Feb 25, & Mar 4. This account has a term of 7 months and is limited to one per member. Those who have or open a Wescom Premium Checking Account can deposit a maximum of $7,000 into this certificate. Those without a Premium Checking Account are limited to $1,000. The usual $15 membership fee is waived for those who join the credit union with this offer. Additional details of this offer can be found on Wescom's website.

Field of membership in this Wescom Credit Union is extended to those who live, work, worship, or go to school in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara or Ventura counties in California.

5.40% Kinecta Federal Credit Union 9 Month Jumbo Share Certificate Special

Kinecta Federal Credit Union is offering 5.40% apy on a 9 month jumbo share certificate special. The minimum deposit for this special is $100,000. A regular 9 month share certificate with a rate of 5.25% apy is also available with a minimum deposit of $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.

5.45% Addision Avenue Federal Credit Union 13 Month IRA & Jumbo Share Certificates

Addison Avenue Federal Credit Union is offering 5.45% apy on two of their 13 month share certificates. The first is a 13 month IRA share certificate which has a minimum deposit requirement of $500. The second is a jumbo share certificate which has a minimum deposit requirement of $100,000.

There are a variety of ways to meet Addison Avenue's Field of membership. One way open to everyone to become eligible to join this credit union is to join the Financial Fitness Association for $5.

Educational Systems Federal Credit Union 13 Month Jumbo Share Certificate, Rates as High as 6.00%

Educational Systems Federal Credit Union is offering rates as high as 6.00% apy on a 13 month jumbo share certificate special. You must be a current Star member with the credit union to qualify for this rate. Star members have combined deposit and/or loan balances of $25,000 or more. Other members will earn 5.75% apy. The minimum deposit for this jumbo share certificate is $100,000. Regular share certificates are also available at a rate of 5.50% apy.

Field of membership in Educational Systems Federal Credit Union includes students of PG County Public Schools, Charles County Public Schools, Calvert County Public Schools, and St. Mary's County Public Schools in Maryland as well as their immediate family. Employees of a number of certain select organizations are also eligible for membership in this credit union. See site for additional details.

6.00% Navy Federal Credit Union 15 Month Share Certificate Special

Navy Federal Credit Union is offering 6.00% apy on a 15 month share certificate special with a minimum deposit of $8,000. This rate is good for both regular and IRA share certificates.

This credit union also continues to offer high rates on their regular share certificates. As I posted on last month, they are currently are offering rates as high as 6.25% apy on their 7 year share certificate.

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.

Apple Federal Credit Union 6.3% 14 Month IRA Share Certificate Special & 5.75% 16 Month Share Certificate Special

Apple Federal Credit Union is currently offering two high rate share certificate specials. The first is a 14 month IRA share certificate with a rate of 6.3% apy. The minimum deposit for this certificate is $500. The second is a 16 month share certificate with a rate of 5.75% apy. The minimum deposit requirement for this certificate is $500 and there is a maximum deposit limit of $500,000. This second special requires money new to the credit union or funds rolled over from a maturing Apple Federal Credit Union share certificate.

Field of membership in Virginia based 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.

6.00% New Orleans Fireman's Federal Credit Union 6 Month Share Certificate Special, February 14th, 15th & 16th

The New Orleans Fireman's Federal Credit Union is offering 6.00% apy on a 6 month share certificate special on February 14th, 15th, & 16th. The minimum deposit for this account is $2,000 with no maximum limit. You'll also receive a Fireman's Red Bear when you open a share certificate while supplies last during this special.

Field of membership in The New Orleans Fireman's Federal Credit Union is extended to those who live, work, or attend school in the St. James Parish, Tangipahoa Parish, Plaquemines Parish, or certain parts of the New Orleans East area in Louisiana. Membership is also extended to active and retired New Orleans Fireman and employees of certain select employee groups. See site for additional details.

Tucoemas Federal Credit Union, Share Certificates with Rates as High as 6.22%

Tucoemas Federal Credit Union is offering rates of 6.00%+ on a number of their share 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.

NRL Federal Credit Union, Share Certificate Rates as High as 5.69%

NRL Federal Credit Union is offering share certificates with rates of up to 5.69%. They currently offer a 3 year share certificate which earns 5.59% apy. They also offer 4 and 5 year share certificates that earn 5.64% and 5.69% apy respectively. The minimum deposit for these rates is $25,000. Lesser deposits earn lower rates.

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.

10% Mountain High Federal Credit Union "Jr CD's"

Mountain High Federal Credit Union is offering 10% apy on youth share certificates called "Junior CD's". The minimum balance required for this certificate is $100 and there is a $1,000 maximum balance limit. This certificate matures upon the account holders 18th birthday. Contact the credit union for further details.

Mountain High Federal Credit Union is a Utah based financial institution. Field of membership in this credit union is open to those who live, work, worship or study in Utah or Juab County as well as those who are immediate family of current members

First Education Federal Credit Union, Rates as High as 5.88%

First Education Federal Credit Union is offering yields as high as 5.88% apy on their share certificates. Below are rates for certificates with terms of 36 months and higher.

Term APY
36 Month 5.61%
48 Month 5.72%
60 Month 5.88%

The minimum deposit for these certificates is $500.

Field of membership in First Education Federal Credit Union is extended to those who live or work in Laramie County in Wyoming.

5.5672% Northrop Grumman Federal Credit Union 6 Month Share Certificate, Other High Rates Available

Northrop Grumman Federal Credit Union is offering 5.5672% apy on a 6 month bonus term share certificate. They are also offering 5.4832% apy on a 12 month bonus term share certificate. The minimum deposit for these certificates is $40,000.

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.

Northwest Federal Credit Union Jumbo Share Certificates, Rates up to 5.76%

Northwest Federal Credit Union is offering 5.70% apy on their 4 year jumbo share certificate and 5.76% apy on their 5 year jumbo share certificate. The minimum deposit for these certificates is $100,000.

Field of membership in this credit union is extended to those who work for the Department of Homeland Security and the National Reconnaissance Office in addition to other certain select organizations and employers. See site for additional details.

Pentagon Federal Credit Union Rate Update, Certificate Rates up to 6.00%

Pentagon Federal Credit Union has updated their share certificate rates. The highest rate they now offer is 6.00% apy on a 7 year share certificate. New rates for certificates starting with a 1 year term are listed below:

Term APY
1-Year 4.33%
2-Year 4.76%
3-Year 5.50%
4-Year 5.50%
5-Year 5.75%
7-Year 6.00%

The minimum required deposit for these certificates is $1,000.

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.