Investment Rates - Circle Federal Credit Union

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Investment Rates

IRA (Individual Retirement Accounts) Term Share Certificates
Effective Date: Thursday, November 6th, 2025
Term	Minimum Deposit Amount	Dividend Rate	Annual Percentage Yield (APY)
12 Months	$100.00	2.500%	2.53%
24 Months	$100.00	2.650%	2.68%
36 Months	$100.00	2.550%	2.58%
All Term Share Certificates have an early withdrawal penalty.
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.

Term Share Certificates
Effective Date: Thursday, November 6th, 2025
Term	Deposit Amount	Dividend Rate	Annual Percentage Yield (APY)
6 Month	$100.00	3.85%	3.92%
12 Month	$100.00	3.55%	3.61%
18 Month	$100.00	3.00%	3.04%
24 Month	$100.00	3.00%	3.04%
36 Month	$100.00	3.00%	3.04%
48 Month	$100.00	3.00%	3.04%
60 Month	$100.00	3.00%	3.04%
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.

IRA (Individual Retirement Account)
Effective Date: Thursday, November 6th, 2025
IRA SAVINGS (Traditional & Roth)
Deposit Amount	Dividend Rate	Annual Percentage Yield (APY)
$100.00 - $ 2,999.99	.02%	.02%
$3,000.00 - $4,999.99	.02%	.02%
$5,000.00 - $9,999.99	.02%	.02%
$10,000.00 - $19,999.99	.02%	.02%
$20,000.00 and up	.02%	.02%
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.