Savings Rates as of January 1, 2017. Rates are subject to change.

Savings Products

Name Minimum Balance APY
Regular Share Savings* $5 0.10%
Compass Account $5 0.10%
Explorer's Club Savings $5 0.10%
Golden Money Market $500.00 or more 0.12%
Maximum Money Market $50,000.00 - $99,999.99 0.20%
Maximum Money Market $100,000.00 - $199,999.99 0.30%
Maximum Money Market $200,000.00 - $299,999.99 0.35%
Maximum Money Market $300,000.00 - $399,999.99 0.40%
Maximum Money Market $400,000.00 - $499,999.99 0.50%
Maximum Money Market $500,000.00 - $599,999.99 0.60%
Maximum Money Market $600,000 or more 1.00%
Momentum Checking
$10-19 Debit Card Purchases 1.00%
Momentum Checking
$20-29 Debit Card Purchases 2.00%
Momentum Checking
$30 or More Debit Card Purchases 4.00%
Free Checking $0 n/a
Premier Checking** $2,500 - $24,999.99 0.10%
Premier Checking $25,000 - $99,999.99 0.20%
Premier Checking $100,000 or more 0.30%
IRA Savings Account up to $24,999.99 0.50%
IRA Savings Account $25,000 - $99,999.99 0.60%
IRA Savings Account $100,000 or more 0.75%
Special Savings $0 0.10%

Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's checking and savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded monthly and paid quarterly. For checking, dividends are paid monthly.

*Balances of $100.00 or more earn a dividend. Dividend is declared at the end of each quarter by the Board of Directors. Annual Percentage Yield (APY) shown is for the 1st quarter of 2016. A minimum balance of $5.00 is required to maintain membership.

**You must maintain a minimum daily balance of $2,500 in your account to avoid a maintenance fee. If your account falls below the required minimum balance, your account will be subject to a maintenance fee of $25.00 for that month. Fees may reduce earnings on the account.


Certificate Rates as of October 19, 2016. Rates are subject to change.

Certificate Products

Term Length Minimum Balance APY*
6 Month Certificate $500 0.30%
1 Year Certificate $500 0.30%
13 Month CD Special
(No Early Withdrawal Penalty)
$500 - $24,999.99 1.00%
13 Month CD Special
(No Early Withdrawal Penalty)
$25,000+ 1.26%
2 Year Certificate $500 0.40%
3 Year Certificate $500 0.40%
40 Month CD Special $500 - $24,999.99 1.26%
40 Month CD Special $25,000+ 1.51%
4 Year Certificate $500 0.50%
5 Year Certificate $500 0.60%
72 Month CD Special $500 - $24,999.99 1.76%
72 Month CD Special $25,000+ 2.02%
7 Year Certificate $500 0.75%
10 Year Certificate
$500 1.01%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. A penalty may be imposed for withdrawals before maturity.


Certificate Rates as of October 19, 2016. Rates are subject to change.

Traditional, Roth, IRA Certificates

Term Length Minimum Balance APY*
6 Month Certificate
$500 0.30%
1 Year Certificate $500 0.30%
13 Month CD Special $500 - $24,999.99 1.00%
13 Month CD Special $25,000+ 1.26%
2 Year Certificate $500 0.40%
3 Year Certificate $500 0.40%
40 Month CD Special $500 - $24,999.99 1.25%
40 Month CD Special $25,000+ 1.51%
4 Year Certificate $500 0.50%
5 Year Certificate $500 0.06%
72 Month CD Special $500 - $24,999.99 1.76%
72 Month CD Special $25,000+ 2.02%
7 Year Certificate $500 0.75%
10 Year Certificate $500 1.01%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. A penalty may be imposed for withdrawals before maturity.

Fees and transaction limitations may be assessed against your account. Please refer to our fee schedule for additional information about rates and fees.