Special Investment Certificates

Special Investment Certificates

Serving under-resourced urban neighborhoods often leaves Cooperative Federal with a need for more deposits than members can provide.

We offer a selection of special certificates for investors who wish to support our efforts. The return on these certificates ranges from below market rate to full market rates. A lower rate helps us afford the extra expenses of fully serving underserved members and neighborhoods. Accounts are Federally insured by NCUA to at least $250,000 per account and backed by the full faith and credit of the United States Government.

APY is the Annual Percentage Yield.

6 Month Certificate APY*
Market Rate Call for Rates

Community Reinvestment Rate 0.00

Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00
12 Month Certificate APY*
Market Rate Call for Rates
Community Reinvestment Rate 0.00
Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00
18 Month Certificate APY*
Market Rate Call for Rates
Community Reinvestment Rate 0.00

Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00
24 Month Certificate APY*
Market Rate Call for Rates

Community Reinvestment Rate 0.00
Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00
30 Month Certificate APY*
Market Rate Call for Rates

Community Reinvestment Rate 0.00

Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00
36 Month Certificate APY*
Market Rate Call for Rates

Community Reinvestment Rate 0.00

Community Development Rate 0.00

Supporter Rate 0.00

Benefactor Rate 0.00

Bank Enterprise Award Certificate

The BEA Certificate usually as a 36 month term.

Bank Enterprise Award Rate
Maximum Allowable Rate** 0.40

Community Reinvestment Rate 0.35

Community Development Rate 0.30

Supporter Rate 0.25

**The BEA maximum rate is the matching Treasury constant maturities on the day of deposit. A recent rate for 36 mo. is shown, with discounted rates for institutions that can provide a higher level of support to our activities. Current maximum rates are at www.federalreserve.gov/releases/h15/update/.

Secondary Capital
Call to discuss Secondary Capital

Contact staff for additional information, at (315) 471-1116.

Special Investment Certificates have a minimum balance of $50,000.
Credit union rates offered as of 1/31/2013.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States by the National Credit Union Administration (NCUA) , a U.S. Government Agency.

Secondary Capital has a minimum of $5,000, a minimum term of 5 years, and is NOT INSURED by NCUA or any other insurance. As of 1/31/2013, the rate for Secondary Capital starts at 1.75% for 5 year terms and may be negotiated for longer terms.

Fees could reduce earnings on the account. Penalty may be imposed for early withdrawal. APY is the Annual Percentage Yield.

Cooperative Federal accounts are federally insured by NCUA Cooperative Federal is an Equal Housing Lender
Cooperative Federal is an equal housing lender
Cooperative Federal accounts are federally insured by NCUA