Local Interest Rates

Oregon Community Credit Union is offering 5.05% APY on their Remarkable Checking Account. In order to earn this yield you must be actively enrolled in eStatements, login to Internet Banking at least once per cycle, make one electronic deposit or withdrawal per cycle, and make at least ten cleared debit transactions per cycle. Those who don’t will earn .10% on their account after the first statement cycle. This account has no minimum balance requirements and refunds ATM fees from other financial institutions.

Field of membership in Oregon Community Credit Union is extended to those who live or work in the Oregon counties of Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington or Yamhill.

State Department Federal Credit Union is offering 5.00% APY on a 14 month IRA share certificate special. The minimum deposit requirement for this special is $500 and this account must be funded with money new to the credit union.

Field of membership in State Department Federal Credit Union is extended to employees of the Department of State and a number of other select employee groups in the Washington DC area.

Access Credit Union is listing very competitive yields on its share and IRA certificates. These include a 4.26% APY 6-month CD, 4.51% APY 12-month CD, 4.71% APY 30-month CD and a 4.85% APY 60-month CD. The minimum deposit is $10,000. Yields are 15 basis points lower for a minimum deposit of $500.

Membership is open to those who work or live in parts of Chicago and in one of several Illinois communities.

Membership requires a minimum $5 deposit in the savings account. There’s a monthly fee if the savings account balance is under $100 (with some exceptions).

Branches are located in Westchester and Chicago, IL. The credit union is federally insured by the NCUA .

Three Rivers Federal Credit Union in Indiana has a high interest checking account called EPIC Checking. The account earns 6.01% annual percentage yield (APY) on balances up to $25,000 and 3.50% APY on portions over $25,000. Plus, with the EPIC Checking account, ATM fees charged by any ATM nationwide are refunded up to $12 per month or $3 per item.

Four requirements must be met each statement cycle to earn the yields.

1. Actively enroll in eStatements
2. Make at least 10 Visa Check Card transactions each month
3. Have one direct deposit, automatic debit or On-Line Bill Payer payment each month
4. Access On-Line Account Access at least once each month

For the first month, you’ll be paid the high yield and ATM fee refunds regardless of whether or not you meet the requirements. After that, if you don’t meet all four of the requirements during a month, the account will earn 0.25% apy on all balances and ATM fees will not be refunded.

Ukrainian Federal Credit Union is offering yields of 5.00% APY and up on a number of their regular and IRA share certificates. Yields rise as high as 5.23% APY for a 4 year regular share certificate.

Field of membership in Ukrainian Federal Credit Union is extended to those who belong to a number of Ukrainian related organizations, churches, and associations.

First New England Federal Credit Union is offering 6.01% APY on balances up to $25,000 in their Free Rewards Checking Account. Account balances over $25,000 will earn 3.00% APY. This account has no minimum balance requirement and offers ATM fee refunds of up to $25/month. You must enroll in eServices, initiate direct deposit or auto-debit, and make 12 or more debit card transactions per account cycle to qualify for the above yields and ATM refunds. Those who don’t will earn .10% APY.

Field of membership in First New England Federal Credit Union is extended to residents of Vernon, Connecticut and friends of the Lucy Robbins Welles Library among others.

Equity Bank is listing a 5.10% APY 7-month CD and a 5.00% APY 12-month CD. The minimum deposit is $1,000. They also have some competitive long term CDs with yields of 4.75% APY. Full details along with early withdrawal penalties are listed in the bank’s rate table. These are also available in an IRA.

The website states “To open an account, call 214-237-3170.” You can also open a CD via mail. A copy of the SS, DL and a check was all it took. Applications are available here.

The bank has two branches in Dallas, Texas. Bankrate.com’s review gives Equity bank a 2/5 star rating.

PCM Employees Credit Union is offering 7.50% APY on the first $500 on deposit in their eRewards Savings Account. Account balances over $500 will earn the standard saving rate, currently 1.50% APY. In order to qualify for this account you must do the following:

• Sign up for eBanking
• Sign up for free eStatements
• Sign up for Direct Deposit into your PCMCU Checking Account
• Apply for a PCMCU Debit Card

Field of membership in Wisconsin based PCM Employees Credit Union is extended to those who belong to any of a number of select employee groups.

E-Central Credit Union in California is celebrating its 65th anniversary with a special Anniversary Certificate. The special CD has a 4 month term and earns 6.50% annual percentage yield. The minimum deposit required to open the Anniversary Certificate is $1,000. The CD also has a maximum deposit of $2,500.

Funds must be new money to the credit union. To qualify for the high rate, an active checking account is required. Offer expires February 15, 2008.

FEDCom Credit Union of Michigan (MI) is offering a special 5.25% APY 11-month certificate of deposit. The minimum deposit is $500, and it requires money new to the credit union. Money in existing FEDCom accounts are eligible for a 5% APY CD.

Membership is open to anyone who lives, works, worships or attends post-high school in Kent, Ottawa, Muskegon, or Allegan County. Membership requires a minimum $5 deposit into the share savings account.

Branches are located in Grand Rapids, Michigan.