Savings Federally Insured up $250,000.00 by the NCUA a U.S. Government Agency.
| Share Savings, Christmas Club, Vacation Club, Additional Savings |
| Effective Date: Thursday, February 12th, 2026 |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $1.00 & 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. |
| Youth Accounts |
| Effective Date: Thursday, February 12th, 2026 |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $1.00 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. |
| Premier Money Market |
| Effective Date: Thursday, February 12th, 2026 |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $0.01 - $2,500.00 |
.02% |
.02% |
| $2,500.00 - $24,999.99 |
.50% |
.50% |
| $25,000.00 - $74,999.99 |
.75% |
.75% |
| $75,000.00 and up |
1.00% |
1.01% |
| 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. |
| Optimum Savings |
| Effective Date: Thursday, February 12th, 2026 |
| Eligibility | Dividend Rate | Annual Percentage Yield (APY) |
| $0.01 - and up (if terms are met) |
1.25% |
1.26% |
| $0.01 - and up (if terms are not met) |
.02% |
.02% |
| Terms and Conditions |
| 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. |
| JUMBO Savers Account |
| Effective Date: Thursday, February 12th, 2026 |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $100,000.00 and up |
3.00% |
3.04% |
| Below $100,000.00 |
0% |
0% |
| 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. |
| Municipal Savings |
| Effective Date: Thursday, February 12th, 2026 |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $2,500 - $500,000 |
.25% |
.25% |
| Below $2,500 and Above $500,000 |
.02% |
.02% |
| Terms and Conditions |
| 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, February 12th, 2026 |
| Term | Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| 6 Month |
$100.00 |
3.70% |
3.76% |
| 12 Month |
$100.00 |
3.45% |
3.51% |
| 18 Month |
$100.00 |
2.32% |
2.35% |
| 24 Month |
$100.00 |
2.32% |
2.35% |
| 36 Month |
$100.00 |
2.37% |
2.40% |
| 48 Month |
$100.00 |
2.37% |
2.40% |
| 60 Month |
$100.00 |
2.47% |
2.50% |
| 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. |
| HSA (Health Savings Account) |
| Effective Date: Thursday, February 12th, 2026 |
| HEALTH SAVINGS ACCOUNTS |
| Deposit Amount | Dividend Rate | Annual Percentage Yield (APY) |
| $100.00 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. |
| IRA (Individual Retirement Accounts) Term Share Certificates |
| Effective Date: Thursday, February 12th, 2026 |
| 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. |
| IRA (Individual Retirement Account) |
| Effective Date: Thursday, February 12th, 2026 |
| 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. |
