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Home > Savings Rates & Info
Savings Rates & Info
Savings
Checking
Money Market
Certificates
Regular Savings
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As of May 1, 2008
|
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
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$1.00 |
0.19 |
0.20 |
Opening a savings account establishes your membership in Creighton Federal Credit Union. Members are eligible for all the services offered by the credit union and are authorized to elect the Board of Directors. Savings accounts earn a market rate of interest on the daily balance on deposit. In conjunction with regular payroll deductions, its easy to save money for Christmas, or other structured needs such as taxes, insurance premiums, tuition, or a down payment on a home, car, or other major purchases. Features Include:
-
Minimum balance $5.00
-
Three withdrawals per month
-
Withdrawal's are easily made in person or, by check
-
Eligable for direct deposit of payroll
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
Member Identification Program
(Important information about opening a new account)
To help the government fight the funding of terrorism, money laundering, and other illegal activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, or is being added to an existing account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying document, and we will retain a copy of it.
Savings accounts are variable rate accounts, therefore, rates may change after the account is open.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time.
DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information: Savings Accounts (Share Account): The Annual Percentage Yield for savings accounts is 0.20%. The Interest Rate for savings accounts is 0.19%. The Annual Percentage Yield and the interest rate may change every dividend period. Changes to these yields and rates are within Creighton Federal Credit Union’s discretion.
Cash & Check Card
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Welcome to a whole new level of convenience!
They are known as Check Cards, ATM Cards, or more commonly known as a Debit Card. We call it Creighton Federal's Cash & Check Card. Our new card looks like a VISA® and works everywhere they are accepted. But this new card works like a check. Each time you use it - to buy gas, groceries or pay for dinner you're using the money in your checking account, just as you would if you had written a check. The big difference? No checkbook to carry, no check to write, no ID to show, and no "I'm sorry, we don't accept checks" from the merchant.
No Gimmicks, No Annual Fees, No Monthly Fees, No Kidding! Our card Features:
- No Annual Fee, No Monthly Fee
- You're using your own money, not "borrowing" and incurring credit card interest
- It's as easy to use as a VISA® or MasterCard®
- It's accepted anywhere VISA® or MasterCard® are accepted and at merchants displaying the Interlink Logo, with no transaction fees for retail purchases.
- You're never without cash here at home - get cash at all Creighton Federal or Cash Corner ATMs and pay no transaction fees
- You're never without cash when you're out of town - get cash from any ATM displaying CIRRUS®, PLUS®, or NETS®, symbol.
- You can make deposits to your checking account at select NETS ATM locations. As part of the Interlink payment system, you can use your ATM card at any merchant displaying the INTERLINK Logo. It's fast and convenient because there is no check to write, ID to show, or check approval to wait for.
Lost or Stolen Debit Cards, Please Call: 1-800-264-5578
Disclosures
ELECTRONIC FUNDS TRANSFER DISCLOSURE, NOTICE OF TERMS AND CONDITIONS The purpose of this notice is to advise credit union members of the terms and conditions in regard to the electronic transfer of funds by means of wire transfers and Automated Clearing House (ACH). In particular, you need to understand your liability. The credit union will rely on instructions and information provided by you to make such transfers. If incorrect information is provided, you are liable for any loss of funds or costs associated with correcting errors. 1. This notice applies to funds transfers as defined in Article 4a of the Uniform Commercial Code, and Subpart B of Regulation J of the Board of Governors of the Federal Reserve System. 2. The credit union may establish or change cut-off times for the receipt and processing of funds transfer requests, amendments, or cancellations. Unless other times are announced for the various types of funds transfers, the cut-off time will be at 3:00 p.m. Central Time Zone on each weekday that the credit union is open which is not a holiday. Payment orders, cancellations, or amendments received after the cut-off time may be treated as having been received on the next following funds transfer business day and processed accordingly. 3. The credit union may charge your account for the amount of any funds transfer initiated by you or any person authorized by you as a joint tenant or other authorized party with the right of access to the account from which the funds transfer is to be made.
Economy Checking
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For those who don't write many checks a month and who need a no minimum balance account, Economy Checking is the choice. Features Include:
- No minimum balance
- No monthly service charge
- Up to 10 checks cleared per month for free. For each check cleared over 10, a 35¢ charge applies
- Eligible for direct deposit payroll
- E-Statements
When its time to re-order checks, Creighton Federal offers prices up to 30% less, plus free monograms, accents, and type styles from Liberty Check Printers. For information on check styles, visit their web site.
Checking Overdraft or Line of Credit... whichever you prefer. Covers the occasional embarrassing overdraft or the unexpected checking need, a line of credit can be established to protect your account from expensive fees. Features Include:
- Automatic extension of credit to cover the insufficient balance check
- Funds available in increments as needed
- Easy repayment terms
Apply online or pick up a loan application at any Creighton Federal office, or call Cres at 402-341-2121 and one will be faxed or mailed to you.
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration
Value Checking
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If you write lots of checks each month and also need a no minimum balance account value checking is for you. Features Include:
- No minimum balance — Unlimited check writing
- Low $5.00 per month service charge with printed statements
- Low $4.00 per month service charge with E-statements
- No per check charge
- Eligible for direct deposit of payroll
When its time to re-order checks, Creighton Federal offers prices up to 30% less, plus free monograms, accents, and type styles from Liberty Check Printers. For information on check styles, visit their web site.
Checking Overdraft or Line of Credit... whichever you prefer to call it. Covers the occasional embarrassing overdraft or the unexpected checking need, a line of credit can be established to protect your account from expensive fees. Features Include:
- Automatic extension of credit to cover the insufficient balance check
- Funds available in increments as needed
- Easy repayment terms Apply online or pick up a loan application at any Creighton Federal office, or call Cres at 402-341-2121 and one will be faxed to you.
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
Interest Plus Checking
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As of May 1, 2008
|
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
|
$1.00 |
0.09 |
0.10 |
|
$10,000.00 |
0.29 |
0.30 |
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$25,000.00 |
0.49 |
0.50 |
For members wanting to earn interest on checking balances, Interest Plus Checking combines the best of unlimited check writing and market rates. Features Include:
- Unlimited check writing
- Low $300 minimum balance
- Market rate of interest
- Eligible for direct deposit of payroll
When its time to re-order checks, Creighton Federal offers prices up to 30% less, plus free monograms, accents, and type styles from Liberty Check Printers. For information on check styles, visit their web site.
Checking Overdraft or Line of Credit ... whichever you prefer to call it. Covers the occasional embarrassing overdraft or the unexpected checking need, a line of credit can be established to protect your account from expensive fees. Features Include:
- Automatic extension of credit to cover the insufficient balance check
- Funds available in increments as needed
- Easy repayment terms
Apply online or pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time. DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable: Rate Information: Checking Accounts (Share Draft Accounts): No checking account other than the Interest Plus Checking Account shall pay any interest or dividend. The Annual Percentage Yield for Interest Plus Checking Accounts are as follows: For account balances of $1.00 to $9,999.99 - 0.10%, for account balances of $10,000.00 to $24,999.99 - 0.30%, for account balances of over $25,000.00 - 0.50%. The Interest Rate for Interest Plus Checking Accounts are as follows: For account balances of $1.00 to $9,999.99 - 0.09%, for account balances of $1,000.00 to $24,999.99 - 0.29%, for account balances of over $25,000.00 - 0.49%. The Annual Percentage Yield and the interest rate may change. Changes to these yields and rates are within Creighton Federal Credit Union’s discretion.
Checking Overdraft/Line of Credit
Checking Overdraft or Line of Credit... whichever you prefer. Covers the occasional embarrassing overdraft or the unexpected checking need, a line of credit can be established to protect your account from expensive fees. Features Include:
- Automatic extension of credit to cover the insufficient balance check
- Funds available in increments as needed
- Easy repayment terms
Apply online or pick up a loan application at any Creighton Federal office, or call Cres at 402-341-2121 and one will be faxed or mailed to you.
Money Market Reserve
|
As of May 1, 2008
|
Balance |
Interest Rate |
Annual Percentage Yield |
|
$1.00 Minimum |
0.24 |
0.25 |
|
$10,000 Minimum |
0.49 |
0.50 |
|
$25,000 Minimum |
0.74 |
0.75 |
For savers wanting the higher rate of return offered by certificates and the daily access and convenience of a checking account, Creighton Federal's money market reserve account is the answer. Features Include:
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Minimum balance of $1,000.00 with higher rates offered on larger balances
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Up to three withdrawals per month by either check, ATM or in person
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Eligable for direct deposit of payroll
FREE E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration. Money Market accounts are variable rate accounts, therefore, rates may change after the account is open.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time. DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information:
Money Market Reserve Accounts: The Annual Percentage Yield for Money Market Reserve Accounts are as follows: 0.25% for accounts of $1.00 to $9,999.99, 0.50% for accounts of $10,000.00 to $24,999.99 and 0.75% for accounts over $25,000.00. The Interest Rates for Money Market Reserve Accounts are as follows: 0.24% for accounts of $1.00 to $9,999.99, 0.49% for accounts of $10,000.00 to $24,999.99 and 0.74% for accounts over $25,000.00. The Annual Percentage Yield and the interest rate may change every dividend period. Changes to these yields and rates are within Creighton Federal Credit Union’s discretion.
90 Days / 6 Months
|
As of May 1, 2008
|
90 Day Certificate |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
1.94 |
1.95 |
|
$10,000 Minimum |
1.99 |
2.00 |
|
$25,000 Minimum |
2.03 |
2.05 |
|
6 Month Certificate |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
2.18 |
2.20 |
|
$10,000 Minimum |
2.23 |
2.25 |
|
$25,000 Minimum |
2.28 |
2.30 |
CD Request Form
Download your CD Request Form from Creighton Federal. Complete the requested information and mail or fax to Creighton Federal. We will contact you upon receipt.
For the highest rate of return and the peace of mind of federal deposit insurance, Creighton Federal's certificates are available. Competitive market rates and the ability to withdraw funds from your certificate without penalty at any time, down to the certificate minimum is an exclusive benefit of Creighton Federal membership. Features Include:
-
Minimum balance to open a certificate is a low $500.00
-
Market plus rates are available on balances above $10,000.00 and $25,000.00
-
Terms are available from 90 days to 60 months
-
No penalty for early withdrawals down to the minimum balance of the certificate
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time.
DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information: Certificates of Deposit (CDs): The Annual Percentage Yield for CDs is as follows: For 90 day, $500.00 minimum balance - 1.95%, 90 day $10,000 minimum balance - 2.00%, for 90 day $25,000 minimum balance - 2.05%. For 6 month, $500.00 minimum balance - 2.20% for 6 month, $10,000 minimum balance - 2.25%, for 6 month, $25,000 minimum balance - 2.30%. The Interest Rates for CDs are as follows: For 90 day, $500.00 minimum balance - 1.94%, 90 day $10,000 minimum balance - 1.99%, for 90 day $25,000 minimum balance - 2.03%. For 6 month, $500.00 minimum balance - 2.18% for 6 month, $10,000 minimum balance - 2.23%, for 6 month, $25,000 minimum balance - 2.28% for the term of the certificate contract.
12 Months & 24 Months
|
As of May 1, 2008
|
12 Months |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
2.43 |
2.45 |
|
$10,000 Minimum |
2.48 |
2.50 |
|
$25,000 Minimum |
2.52 |
2.55 |
|
24 Months |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
2.43 |
2.45 |
|
$10,000 Minimum |
2.48 |
2.50 |
|
$25,000 Minimum |
2.52 |
2.55 |
CD Request Form
Download your CD Request Form from Creighton Federal. Complete the requested information and mail or fax to Creighton Federal. We will contact you upon receipt.
For the highest rate of return and the peace of mind of federal deposit insurance, Creighton Federal's certificates are available. Competitive market rates and the ability to withdraw funds from your certificate without penalty at any time, down to the certificate minimum is an exclusive benefit of Creighton Federal membership. Features Include:
- Minimum balance to open a certificate is a low $500.00
- Market plus rates are available on balances above $10,000.00 and $25,000.00
- Terms are available from 90 days to 60 months
- No penalty for early withdrawals down to the minimum balance of the certificate
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time.
DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information: Certificates of Deposit (CDs): The Annual Percentage Yield for CDs is as follows: For 12 month, $500.00 minimum balance - 2.45%, for 12 month, $10,000 minimum balance - 2.50%, for 12 month, $25,000 minimum balance - 2.55%. For 24 month, $500.00 minimum balance - 2.45%, for 24 month, $10,000 minimum balance - 2.50%, for 24 month, $25,000 minimum balance - 2.55%. The Interest Rates for CDs are as follows: For 12 month, $500.00 minimum balance - 2.43%, for 12 month, $10,000 minimum balance - 2.48%, for 12 month, $25,000 minimum balance - 2.52%. For 24 month, $500 minimum balance - 2.43%. For 24 month, $10,000 minimum balance - 2.48%, for 24 month, $25,000 minimum balance - 2.52%. The Annual Percentage Yield and the interest rate are fixed for the term of the certificate contract.
36 Months & 48 Months
|
As of May 1, 2008
|
36 Months Certificate |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
2.53 |
2.55 |
|
$10,000 Minimum |
2.57 |
2.60 |
|
$25,000 Minimum |
2.62 |
2.65 |
|
48 Months Certificate |
Interest Rate |
Annual Percentage Yield |
|
$500 Minimum |
2.67 |
2.70 |
|
$10,000 Minimum |
2.72 |
2.75 |
|
$25,000 Minimum |
2.77 |
2.80 |
CD Request Form
Download your CD Request Form from Creighton Federal. Complete the requested information and mail or fax to Creighton Federal. We will contact you upon receipt.
For the highest rate of return and the peace of mind of federal deposit insurance, Creighton Federal's certificates are available. Competitive market rates and the ability to withdraw funds from your certificate without penalty at any time, down to the certificate minimum is an exclusive benefit of Creighton Federal membership. Features Include:
-
Minimum balance to open a certificate is a low $500.00
-
Market plus rates are available on balances above $10,000.00 and $25,000.00
-
Terms are available from 90 days to 60 months
-
No penalty for early withdrawals down to the minimum balance of the certificate
E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:
- Faster receipt - receive your E-statement up to one week faster than printed statements.
- Printable - your E-statement can be printed if you need or want a hard copy.
- On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.
A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration.
IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time.
DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information:
Certificates of Deposit (CDs): The Annual Percentage Yield for CDs is as follows: For 36 month, $500.00 minimum balance - 2.55%, for 36 month, $10,000 minimum balance - 2.60%, for 36 month, $25,000 minimum balance - 2.65%. For 48 month, $500.00 minimum balance - 2.70%, for 48 month, $10,000 minimum balance - 2.75%, for 48 month, $25,000 minimum balance - 2.80%. The Interest Rates for CDs are as follows: For 36 month, $500.00 minimum balance - 2.53%, for 36 month, $10,000 minimum balance - 2.57%, for 36 month, $25,000 minimum balance - 2.62%. For 48 month, $500.00 minimum balance - 2.67%, for 48 month, $10,000 minimum balance - 2.72%, for 48 month, $25,000 minimum balance - 2.77%. The Annual Percentage Yield and the interest rate are fixed for the term of the certificate contract.
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