Savings Rates Effective January 1, 2025
Savings rates are based on Credit Union profitability and cannot be guaranteed.
All rates listed below are subject to change. Earnings may be reduced by fees.
| Savings Accounts | Nominal Rate | APY* |
| 5 Month 50th Anniversary Share Certificate*** | 5.00% | 5.00% |
| One Year Share Certificate** | 2.50% | 2.50% |
| Share & Clubs | .75% | .750% |
| IRA Share | 1.60% | 1.60% |
* APY = Annual Percentage Yield, interest earned over the course of 365 days
** $500 Minimum to open; 90 Day Interest Penalty for Early Withdrawal; Fees may reduce earnings.
*** $50 Minimum to open; $5,000 Maximum; Limit 1 Anniversary Special Share Certificate per account; No Rollovers; 90 Day Interest Penalty for Early Withdrawal; Fees may reduce earnings; APY estimation is based on 153 days (5 months); The Credit Union reserves the rights to end this offer at any time.
SUNY Fredonia Federal Credit Union 2025