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This interest rate schedule reflects the rates to specified accounts. This schedule is incorporated as a part of your account agreement with Interfaith Federal Credit Union. The dividend rate and Annual Percentage Yield (APY**) stated are the most recent within 7 calendar days and were accurate as of May 15, 2025.
Member accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Minimum opening and maintained balance is $5. The minimum to earn dividend is $100. Dividends paid monthly.
| Type | Dividend Rate | APY** |
|---|---|---|
| Tier I $100 – $999 | 0.01% | 0.01% |
| Tier 2 $1,000 – $4,999 | 0.05% | 0.05% |
| Tier 3 $5,000 – $14,999 | 0.05% | 0.05% |
| Tier 4 $15,000 – $24,999 | 0.05% | 0.05% |
| Tier 5 $25,000 – $49,999 | 0.10% | 0.10% |
| Tier 6 $50,000 – $99,999 | 0.10% | 0.10% |
| Tier 7 $100,000 – Over | 0.10% | 0.10% |
This account is for youth up to 18 years of age. Minimum opening and maintained balance is $5. The minimum to earn dividend is $1. Dividends paid monthly.
| Type | Dividend Rate | APY** |
|---|---|---|
| Xtreme Savers | 0.10% | 0.10% |
Minimum opening balance is $25, no required minimum maintained balance. The minimum to earn dividend is $500. Dividends paid monthly.
| Type | Dividend Rate | APY** |
|---|---|---|
| Secure Checking | 0.05% | 0.05% |
| Corporate | 0.01% | 0.01% |
The Money Market Multiplier account requires a minimum opening balance of $2,000. Dividends are declared monthly, and paid out monthly as long as the balance does not fall below $2,000. There is a $15 fee if the account drops below $2,000 minimum.
| Type | Dividend Rate | APY** |
|---|---|---|
| Tier I $2,000 – $4,999 | 0.60% | 0.60% |
| Tier 2 $5,000 – $9,999 | 0.60% | 0.60% |
| Tier 3 $10,000 – $24,999 | 0.65% | 0.65% |
| Tier 4 $25,000 – $49,999 | 0.65% | 0.65% |
| Tier 5 $50,000 – $99,999 | 0.70% | 0.70% |
| Tier 6 $100,000 and over | 0.70% | 0.70% |
NOTE: APY** = Annual Percentage Yield. Dividends are paid quarterly.
NEW Liquid Certificate is available for 6-month term only. This product offers unlimited deposits and penalty-free withdrawals. $1,000 maintained minimum required.
| Minimum Opening Balance | 6 Months Rate/APY** |
12 Months Rate/APY** |
24 Months Rate/APY** |
36 Months Rate/APY** |
60 Months Rate/APY** |
|---|---|---|---|---|---|
| $1,000 – $4,999 | 3.94% / 4.00% | 3.10% / 3.14% | 3.20% / 3.24% | 3.30% / 3.34% | 3.40% / 3.44% |
| $5,000 – $14,999 | 3.94% / 4.00% | 3.10% / 3.14% | 3.20% / 3.24% | 3.30% / 3.34% | 3.40% / 3.44% |
| $15,000 – $29,999 | 3.99% / 4.05%% | 3.15% / 3.19% | 3.25% / 3.29% | 3.35% / 3.39% | 3.45% / 3.49% |
| $30,000 – $49,999 | 3.99% / 4.05% | 3.15% / 3.19% | 3.25% / 3.29% | 3.35% / 3.39% | 3.45% / 3.49% |
| $50,000 – $99,999 | 4.04% / 4.10% | 3.20% / 3.24% | 3.30% / 3.34% | 3.40% / 3.44% | 3.50% / 3.55% |
| $100,000 and over | 4.04% / 4.10% | 3.20% / 3.24% | 3.30% / 3.34% | 3.40% / 3.44% | 3.50% / 3.55% |
Member accounts are federally insured by the National Credit Union Administration up to $250,000. IRA funds are insured up to $250,000.
Please Call (800) 245-0433 to obtain current information.
| Type | Opening Bal. | Min. for Div. | Div. Rate | APY** | Div. Dec. Date |
|---|---|---|---|---|---|
| Traditional/Roth IRA Shares (Variable) | $0 | $1 | 1.00% | 1.00% | Monthly |
| 24-Mo Trad/Roth IRA CD (Fixed) | $1,000 | $1,000 | 3.20% | 3.24% | Quarterly |
| 60-Mo Trad/Roth IRA CD (Fixed) | $2,500 | $2,500 | 3.40% | 3.44% | Quarterly |
| Coverdell Education Savings (Variable) | $1 | $1 | 1.00% | 1.00% | Monthly |
| HSA Family (Variable) | $1 | $1 | 1.00% | 1.00% | Monthly |
| HSA Individual (Variable) | $1 | $1 | 1.00% | 1.00% | Monthly |
