Give your savings a boost
You work hard for your money, so it needs to work hard for you. See how our rates on various savings accounts can help you save for the short term and the long haul.
Effective September 1, 2023
Share Savings
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| $0 but less than $2,500.00 | 0.05% | 0.05% |
| $2,500.00 but less than $10,000.00 | 0.05% - 0.07% | 0.07% |
| $10,000.00 but less than $25,000.00 | 0.07% - 0.07% | 0.08% |
| $25,000.00 but less than $50,000.00 | 0.07% - 0.08% | 0.09% |
| $50,000.00 and over | 0.08% - 0.10% | 0.10% |
Holiday/Vacation Club
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| $0 but less than $2,500.00 | 0.05% | 0.05% |
| $2,500.00 but less than $10,000.00 | 0.05% - 0.07% | 0.07% |
| $10,000.00 but less than $25,000.00 | 0.07% - 0.07% | 0.08% |
| $25,000.00 but less than $50,000.00 | 0.07% - 0.08% | 0.09% |
| $50,000.00 and over | 0.08% - 0.10% | 0.10% |
Youth Savings Account
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| $0 but less than $1,000.00 | 2.10% | 2.10% |
| $1,000.00 but less than $10,000.00 | 0.05% - 0.07% | 0.07% |
| $10,000.00 but less than $25,000.00 | 0.07% - 0.07% | 0.08% |
| $25,000.00 but less than $50,000.00 | 0.07% - 0.08% | 0.09% |
| $50,000.00 and over | 0.08% - 0.10% | 0.10% |
Personal Checking Account Rates
ONE Up Checking
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| up to $20,000.00 | 4.07% | 4.00 |
| $20,000.01 - $50,000.00 | 4.07% - 1.92% | 0.50% |
| $50,000.01 or more | 1.92 - 0.01% | 0.00% |
Relationship PLUS Checking
| Annual Percentage Yield (APY) | Anticipated Dividend Rate |
|---|---|
| 0.05% | 0.05% |
Money Management Account Rates
Money Management
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| $0 but less than $2,500.00 | 0.45% | 0.45% |
| $2,500.00 but less than $10,000.00 | 0.45% - 0.53% | 0.55% |
| $10,000 or more | 0.53% - 0.65% | 0.65% |
Money Management Plus
| Balance Tiers (Portion of Balance) | Annual Percentage Yield (APY) Range | Dividend Rate |
|---|---|---|
| $0 but less than $25,000.00 | 0.65% | 0.65% |
| $25,000.00 but less than $50,000.00 | 0.65% - 0.70% | 0.75% |
| $50,000 or more | 0.70% - 0.85% | 0.85% |
Share Certificate, IRA, and Coverdell Education Share Certificate Rates
| Term | Minimum Deposit | Annual Percentage Yield (APY) | Dividend Rate |
|---|---|---|---|
| 6 Months | $500 | 2.26% | 2.25% |
| 9 Month Special - New Money | $1,000** | 5.13% | 5.00% |
| 12 Months | $1,000 | 2.89% | 2.85% |
| 15 Months | $50* | 2.33% | 2.30% |
| 18 Months | $1,000 | 2.99% | 2.95% |
| 24 Months | $1,000 | 3.15% | 3.10% |
| 30 Month Special | $0.01*** | 4.86% | 4.75% |
| 36 Months | $1,000 | 3.51% | 3.45% |
| 48 Months | $1,000 | 3.82% | 3.75% |
| 60 Months | $1,000 | 4.08% | 4.00% |
Jumbo Share Certificate and Jumbo IRA Share Certificate Rates
| Term | Minimum Deposit | Annual Percentage Yield (APY) | Dividend Rate |
|---|---|---|---|
| 9 Month Special - New Money | $50,000** | 5.18% | 5.05% |
| 9 Month Special - New Money | $100,000** | 5.23% | 5.10% |
| 12 Months | $50,000 | 2.94% | 2.90% |
| 12 Months | $100,000 | 2.99% | 2.95% |
| 18 Months | $50,000 | 3.05% | 3.00% |
| 18 Months | $100,000 | 3.10% | 3.05% |
| 24 Months | $50,000 | 3.20% | 3.15% |
| 24 Months | $100,000 | 3.25% | 3.20% |
| 30 Month Special | $50,000*** | 4.92% | 4.80% |
| 30 Month Special | $100,000*** | 4.97% | 4.85% |
| 36 Months | $50,000 | 3.56% | 3.50% |
| 36 Months | $100,000 | 3.61% | 3.55% |
| 48 Months | $50,000 | 3.87% | 3.80% |
| 48 Months | $100,000 | 3.92% | 3.85% |
| 60 Months | $50,000 | 4.13% | 4.05% |
| 60 Months | $100,000 | 4.18% | 4.10% |
CommonWealth One Federal Credit Union is a full-service credit union with branches in Virginia and Washington, D.C.
Disclosures
- APY = Annual Percentage Yield.
- * Additional deposits allowed in increments of $50.00
- **9-Month Certificate must be funded with money not currently on deposit at CommonWealth One. Maximum deposit of $250,000. IRA and Coverdell Education Certificate are not eligible.
- ***30-Month Certificate Special is available for personal accounts only – IRA Certificates and business accounts are not eligible.
- Rates are subject to change without notice.
- The minimum balance to open each share type and to avoid fees can be found in the Truth In Savings Disclosure.
- Fees may reduce earnings.
- Members will forfeit dividends if the account is closed before accrued dividends are credited.
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