Savings & CDs

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Earn higher dividends and grow your savings with a CommonCents Savings Account.

Ultimate Savings

This free savings account pays really high dividends and offers a way to build your savings quickly.

They say when it rains, it pours. Think ahead to the next rainy day and open our free Ultimate Savings savings account. Earn really high dividends to build your savings quickly – and don't get caught underwater.

  • Free savings account that pays really high quarterly dividends

  • Regular Shares Savings Account required for all CCCU accounts

  • Earn 1.00% APY* on balances up to $25,000.00

  • Earn 1.00%-0.36% APY* on balances over $25,000.00 depending on the balance in the account

  • No monthly service charge

  • No minimum balance to keep

  • Access to surcharge-free ATMs

  • Free online banking

  • Free mobile banking

  • Free e-statements

  • $5.00 minimum opening deposit for regular share account

USA Patriot Act - Customer/Member Identification Program

"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents."

Regular Share Savings

This account establishes your relationship with CommonCents Credit Union.

At a credit union, your savings account serves two functions. First, it establishes your share of ownership in CommonCents Credit Union. Second, it's a safe, federally-insured place to keep your money.

Plus, you'll earn competitive dividends to grow your savings quickly. Whether you're saving for something specific or want to build a strong safety net for you and your family, this savings account is easy to maintain.

  • Basic savings account

  • Establishes your relationship with CommonCents Credit Union

  • Build a secure foundation for you and your family

  • Earn competitive dividends to grow savings quickly

  • Retain limited access to your funds

  • Access to surcharge-free ATMs

  • Free online banking

  • Free mobile banking

  • Free e-statements

  • $5.00 minimum opening deposit

USA Patriot Act - Customer/Member Identification Program

"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents."

Money Market Account

Higher balances earn higher rates with tiered dividends designed to grow savings quickly.

Maximize your earning potential with a savings account that does more for you. Our money market account provides tiered interest, so higher balances earn higher rates.

Plus, you don't have to lock up funds in CDs to enjoy high rates. In fact, access is enhanced with direct check writing. Have the best of both worlds – dividends and liquidity – with this versatile account.

  • Money Market Savings Account

  • Regular Shares Savings Account required for all CCCU accounts

  • Retain limited access to your funds

  • Access to surcharge-free ATMs

  • Free online banking

  • Free mobile banking

  • Free e-statements

  • $2,500.00 minimum opening deposit

Christmas Club

Set aside money throughout the year for the holidays, and start your year without the weight of Christmas shopping debt.

Get in the spirit and give yourself the best gift of all – the satisfaction of knowing you're beginning the new year debt-free. This special savings account allows you to set money aside throughout the year, allowing you to have less stress during the holiday season so you can spend time with your loved ones and focus on the things that really matter.  

Our Christmas Club Account earns dividends, so you can earn money throughout the year, as well.  

Each year, your Christmas Club funds become available on November 15th*. Your funds can be deposited into your account, or you can opt to receive a paper check- the choice is yours! 

Sign up for your Christmas Club Account today, and let CommonCents CU help you with your financial goals for the year! 

  • Savings account designed specifically for the holidays

  • Regular Shares Savings Account required for all CCCU accounts

  • Avoid racking up credit card debt

  • Earn competitive dividends on your balance

  • Contribute as much and as often as you wish

  • Penalty for early withdrawal may apply

  • Access to surcharge-free ATMs

  • Free online banking

  • Free mobile banking

  • Free e-statements

  • Minimum Opening Deposit: $5.00

*If November 15th is on a weekend, your funds become available on the Friday prior to that weekend.

Individual Retirement Account (IRAs)

Now is the best time to start planning your golden years with this tax-advantaged* way to save.

While they may seem miles away, your golden years will be here before you know it. Start planning now and realize your retirement dreams.

We offer different types of IRAs to fit your financial situation. Earn higher dividends than regular savings to build up your nest egg. Talk to a CommonCents Credit Union representative about finding the right plan.

  • Regular Share Savings Account required for all CCCU accounts

  • Tax-advantaged* way to save for your future

  • Earn competitive dividends higher than regular savings

  • Traditional and Roth IRAs available

  • No setup or annual fees

  • Annual contribution limits

  • "Catch-up" contributions allowed for ages 50+

  • Federally insured by the NCUA

  • No minimum deposit to open

Share Certificates (CDs)

Share Certificates are also known as Certificates of Deposit (CDs).

This type of  investment offers a risk-free, guaranteed return at a fixed rate and is a great way to diversify.

Experts say a balanced portfolio is more likely to withstand waves in the economy. A Share Certificate / Certificate of Deposit earns dividends at a fixed rate, and allows you to know what to expect on your returns.  This investment tool also allows you to create and maintain balance in your financial portfolio.  

We offer a variety of terms to help fit your financial needs. Longer terms typically yield higher returns. 

  • Regular Share Savings Account required for all CCCU accounts

  • Safe, risk-free investment

  • Competitive fixed rates during length of term

  • Terms range from 6 months to 2.5 years

  • Longer terms yield higher returns

  • Penalty for early withdrawal may apply

  • NCUA insured

  • Minimum Opening Deposit: $1,000.00

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