Current Rates with Clark County Credit Union

Rates / Yields

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IMPORTANT DEPOSIT INFORMATION FOR CCCU MEMBERS.

APY = Annual Percentage Yield

Checking

Variable Rate - The interest rate and Annual Percentage Yield (APY) on all checking accounts can change at any time without notice as determined by the Board of Directors of Clark County Credit Union.

Average Daily Balances

Interest Rate

APY

 $0.01 to $2,499.99

 0.01%

 0.01%

 $2,500 and above

 0.01%

 0.01%

Savings, Christmas/Vacation Club, Secondary Savings *

Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below on savings accounts can change at any time without notice as determined by the Board of Directors of Clark County Credit Union. The minimum deposit to open a savings is $50.00, Christmas/Vacation Club and Secondary Savings is $5.00

Average Daily Balances

Interest Rate

APY

 $50 and above

0.05% 

0.05% 

A dormant account fee will be assessed to an account with no activity for 1-year or more. Christmas/Vacation Club withdrawals may not be made online, only over the phone or at branch.

Consumer More Money - Variable Rate

The minimum opening balance is $5,000.00. Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below can change at any time without notice as determined by the Board of Directors of Clark County Credit Union.

Average Daily Balances

Interest Rate

APY

 0-$4,999

 0.05% 

0.05%  

$5,000 - $24,999

0.05%

0.05%

 $25,000 - $74,999

0.10%  

0.10%  

$75,000 and above

0.15%

0.15%

Business More Money - Variable Rate

The minimum opening balance is $5,000.00. Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below can change at any time without notice as determined by the Board of Directors of Clark County Credit Union.

Average Daily Balances

Interest Rate

APY

 0-$4,999

 0.05% 

0.05%  

$5,000 - $24,999

0.05%

0.05%

 $25,000 - $74,999

0.10%  

0.10%  

$75,000 and above

0.15%

0.15%

Certificates and IRA Certificates - Fixed Rate

Months

Interest Rate

APY

6

0.25%

0.25%

12

0.35%

0.35%

18

0.40%

0.40%

24

0.45%

0.45%

36

0.65%

0.65%

48

0.70%

0.70%

60

0.85% 

0.85% 

If you withdraw the principal balance or close your certificate account prior to maturity the following penalties will be assessed; 6 and 12-month certificates will be assessed a 90-day interest penalty, 24-, 36-, & 60-month certificates will be assessed a 180-day interest penalty. Subsequent deposits are not allowed to a certificate of deposit.

IRA Savings - Fixed Rate

Average Daily Balances

Interest Rate

APY

$0.00 and above

0.15% 

0.15% 

Important Notice for IRA Account Holders*
*Fees - an annual fee of $25.00 will be assessed to each IRA, Traditional and Roth. See CCCU Membership Plans and Fee Schedule.

Deadline for making a previous year contribution is April 15. Must be age 59 1/2 for withdrawals or meet the qualified distribution guidelines. Roth IRA must be open 5 years before qualified distribution can be made and the owner is 59 1/2 years old or older, or disabled, or using the distribution as a first-time home buyer. One year minimum term.

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all the deposit accounts shown.
In the Truth-In-Savings Disclosure the word “account” means a number assigned to you by the Credit Union. 

  1. Rate Information: The Annual Percentage Yield is a percentage rate that reflects the total amount of interest paid on an account based on the interest rate and frequency of compounding interest for an annual period. For all variable rate accounts the interest rates and annual percentage yields may change monthly. For all fixed rate accounts any reduction in rate will be preceded by written notification as required by law.
  2. Interest Compounding and Crediting: Interest is compounded and credited to the account monthly. Interest is posted to all accounts at the close of business on the last day of the month. Interest will begin to accrue on all deposits on the business day you make the deposit to your account. If you close an account before accrued interest is credited, you will not receive the accrued interest.
  3. Interest Calculation: Interest is calculated by the average daily balance method, which applies a periodic rate to the accounts average daily balance. Adding the daily balance in the account for the month and dividing the number of days in the period compute the average daily balance. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Minimum aggregate deposit level is based upon the average daily balance for the month.
  4. Dormant Fee: A dormant fee will be assessed to an account with no activity for 1-year or more. 
  5. Fee Schedule: Fees may apply to all account types. Clark County Credit Union fees are based on a member’s current membership status. See CCCU Membership Plans and Fee Schedule.
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