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First500 Savings
Account	Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. *The APY for an account balance up to $500 in a First500 Account will be 2.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. First500 Youth Accounts will earn 2.00% APY on account balances up to $500 with Internet access and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.
Account First500 Savings**	Minimum Opening Balance $0.00	Minimum to Earn APY $5.00	APY* 2.00%
Account First500 Savings Base Rate**	Minimum Opening Balance $0.00	Minimum to Earn APY $5.00	APY* 0.20%

Personal Money Market Savings
Minimum Opening Balance	Minimum to Earn APY	APY*
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. *Rate on our multi-tiered Money Market Account is based on the Account’s daily balance. Account balances below $2,500 earn no dividends.
Minimum Opening Balance $2,500	Minimum to Earn APY $2,500**	APY* 0.80%
Minimum Opening Balance $2,500	Minimum to Earn APY $10,000**	APY* 0.95%
Minimum Opening Balance $2,500	Minimum to Earn APY $25,000**	APY* 1.00%
Minimum Opening Balance $2,500	Minimum to Earn APY $50,000**	APY* 1.05%
Minimum Opening Balance $2,500	Minimum to Earn APY $100,000**	APY* 1.25%
Minimum Opening Balance $2,500	Minimum to Earn APY $250,000**	APY* 1.30%
Minimum Opening Balance $2,500	Minimum to Earn APY $500,000**	APY* 1.35%
Minimum Opening Balance $2,500	Minimum to Earn APY $1,000,000 & up**	APY* 1.65%

Term Savings Certificates
Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period. ** APY=Annual Percentage Yield. Rate and term valid as of April 26, 2024, for a 13-month Term Savings Certificate only. New 13-month Term Savings Certificate minimum balance required of $2,500 or more to earn 4.90% APY. The maximum total deposit amount for a 13-month Term Savings Certificate is $5,000,000.00 per member. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional 13-month term, funds will roll over to a standard non-promotional 12-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. IRA Certificates are also available for the rates and terms shown above. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal.
Term 6 Months	$1,000 Minimum 2.25% APY*	$25,000 Minimum 2.40% APY*	$100,000 Minimum 2.55% APY*
Term 1 Year	$1,000 Minimum 2.55% APY*	$25,000 Minimum 2.70%*	$100,000 Minimum 2.85% APY*
Term Special 13 Month Promo	$1,000 Minimum n/a	$25,000 Minimum 4.90% APY($2,500 minimum, new and existing funds)**	$100,000 Minimum 4.90% APY^**
Term 2 Years	$1,000 Minimum 2.80% APY*	$25,000 Minimum 2.95% APY*	$100,000 Minimum 3.10% APY*
Term 3 Years	$1,000 Minimum 3.05% APY*	$25,000 Minimum 3.20% APY*	$100,000 Minimum 3.35% APY*
Term 4 Years	$1,000 Minimum 3.30% APY*	$25,000 Minimum 3.45% APY*	$100,000 Minimum 3.60% APY*
Term 5 Years	$1,000 Minimum 3.55% APY*	$25,000 Minimum 3.70% APY*	$100,000 Minimum 3.85% APY*

Retirement Certificates
Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period. * APY=Annual Percentage Yield. Rate and term valid as of April 26, 2024, for a 13-month Term Savings Certificate only. New 13-month Term Savings Certificate minimum balance required of $2,500 or more to earn 4.90% APY. The maximum total deposit amount for a 13-month Term Savings Certificate is $5,000,000.00 per member. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional 13-month term, funds will roll over to a standard non-promotional 12-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. IRA Certificates are also available for the rates and terms shown above. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal.
Term 6 Months	$1,000 Minimum 2.45% APY*	$25,000 Minimum 2.60% APY*	$100,000 Minimum 2.75% APY*
Term 1 Year	$1,000 Minimum 2.75% APY*	$25,000 Minimum 2.90% APY*	$100,000 Minimum 3.05% APY*
Term Special 13 Month Promo	$1,000 Minimum n/a	$25,000 Minimum 4.90% APY^**($2,500 minimum, new and existing funds)	$100,000 Minimum 4.90% APY^**($2,500 minimum, new and existing funds)
Term 2 Years	$1,000 Minimum 3.00% APY*	$25,000 Minimum 3.15% APY*	$100,000 Minimum 3.30% APY*
Term 3 Years	$1,000 Minimum 3.25% APY*	$25,000 Minimum 3.40% APY*	$100,000 Minimum 3.55% APY*
Term 4 Years	$1,000 Minimum 3.50% APY*	$25,000 Minimum 3.65% APY*	$100,000 Minimum 3.80% APY*
Term 5 Years	$1,000 Minimum 3.75% APY*	$25,000 Minimum 3.90% APY*	$100,000 Minimum 4.05% APY*

IRA (Daily)
Minimum Opening Balance	Minimum to Earn APY	APY*
*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.
Minimum Opening Balance $0.00	Minimum to Earn APY $0.00	APY* 0.40%

Coogan Account*
Minimum Opening Balance	Minimum to Earn APY	APY**
The APY for an account balance up to $500 in First500 Youth Accounts (or Coogan Accounts) will be 2.00% APY on account balances up to $500 with Internet access and eStatement only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice. *APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. ^††There is a minimum balance requirement of $50 for this account.
Minimum Opening Balance $50.00††	Minimum to Earn APY $5.00††	APY** 0.20%

Health Savings Account (HSA)*
Minimum Opening Balance	Minimum to Earn APY	APY**
One HSA per member. No minimum balance. Inherited accounts are still considered HSAs and are subject to no tax consequences unless unqualified withdrawals are made. Not intended as tax advice, please consult your tax advisor for details. *APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.
Minimum Opening Balance $0.00	Minimum to Earn APY $0.00	APY** 1.00%

FAQs

There are two different ways to apply for a Savings account, depending on whether you are a member or not.

Non-members: Navigate to firstent.org and click “Open an Account”. Select the type of account you are opening. Add the First500 Savings account and follow the steps to apply for a Savings account.

Members: Follow the steps below to apply for a Savings Account.

Login to your digital banking account
Navigate to “Open New Accounts”
Click “Open New Savings”
Click on “Apply Now”
Select the Savings account you are applying for (Special Savings or Money Market)
Click “Apply”
Choose the funding account
Enter a deposit amount (if you would like to open the account without funding it, entering “0”. This does not apply to Money Market accounts)
Click “Finish”

Similar to Savings and Money Market Accounts (MMAs), Term Certificates are federally insured by NCUA up to $250,000. Where they differ is in the accessibility of the funds.

Savings and MMAs allow you to deposit or withdraw funds at any time. Term Certificates are timed accounts, meaning the funds on deposit are not available for a specified length of time.¹ The upside is it yields higher rate that’s fixed for the duration of the term.

One of the key benefits of Term Certificates is laddering. Before you head to the hardware store, let us explain. Laddering is when you divide your initial investment into equal parts and deposit each portion into a separate Term Certificate so that one matures every year. That way, you can take advantage of longer terms (and therefore higher interest rates) while still having access to some of your money each year.²

For Members:

To open a Term Savings Certificate, follow the steps below:

Login to Digital Banking
Navigate to “Open New Accounts” and select “Open New Term Savings Certificate (CD)”
Click “Apply Now” and then “Term Savings Certificate (CD)”
Select one of the CDs from the list by clicking “Apply”
Select a funding account from the drop-down list
Enter an opening deposit amount
Check the box on the bottom left if you agree to the Terms & Conditions
Click “Finish”

For Non-Members:

To learn more or make an appointment, visit a branch or call us. Contact details can be found in the footer of our website.

A money market account is a type of savings account offered that typically pays higher interest rates compared to a regular savings account. It is designed to provide a safe and liquid way for members to save and invest their money while earning some interest. All Consumer Money Market Savings accounts require a minimum opening balance of $2,500.

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Disclosures

: Federally Insured by NCUA.

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