Savings & Checking Rates
When your money's on deposit with us, it's always earning interest
A steady approach pays off with Point Breeze Credit Union
Whether it's your daily checking account or it's a savings account like an IRA or CD, our competitive rates keep your money working in your favor. Set specific goals to reach or simply deposit your money and let the account do all the work.
Free Checking PLUS+ Rates
| Tier | APY | Compounded & Credited | Minimum Balance to Open |
|---|---|---|---|
| Qualifying*, Balances $0.01-$10,000 | 3.00% | Monthly | $0 |
| Qualifying*, Balances $10,000.01 and up | 0.10% | Monthly | $0 |
| Not Qualifying*, All Balances | 0.05% | Monthly | $0 |
*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. To earn the qualifying rates, each month you must have at least 12 debit card purchases using your Point Breeze Visa® Debit Card, have direct deposit(s) of at least $400 and receive eStatements. If you close your account before accrued interest for any month is credited, you will receive the lowest-tier interest rate on your entire balance. Fees may reduce earnings. Please refer to the Free Checking PLUS+ Truth-In-Savings Disclosure for more information. For grandfathered Interest Checking accounts, please contact us for current rates.
Savings Rates
| Account Type | APY | Compounded & Credited | Minimum Balance to Open |
|---|---|---|---|
| Share/Savings | 0.10% | Quarterly | $5 |
| Holiday Club | 0.10% | Quarterly | $5 |
*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened.
Certificate of Deposit Rates
| Account Type | APY | Compounded & Credited | Minimum Balance to Open |
|---|---|---|---|
| 6 Month Standard CD | 4.25% | Monthly | $500 |
| 12 Month Standard CD | 4.50% | Monthly | $500 |
| 24 Month Standard CD | 3.75% | Monthly | $500 |
| 36 Month Standard CD | 3.50% | Monthly | $500 |
| 6 Month Jumbo CD | 4.25% | Monthly | $10,000 |
| 12 Month Jumbo CD | 4.50% | Monthly | $10,000 |
| 24 Month Jumbo CD | 3.75% | Monthly | $10,000 |
| 36 Month Jumbo CD | 3.50% | Monthly | $10,000 |
*APY=Annual Percentage Yield. APY assumes principal and interest remain on deposit for the full term. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. If a CD is closed before the accrued interest is credited, accrued interest will be paid.
Individual Retirement Account Rate
| Account Type | APY | Compounded & Credited | Minimum Balance to Open |
|---|---|---|---|
| Individual Retirement (IRA) | 0.25% | Quarterly | $5 |
*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Early withdrawal penalties may apply. Consult with a tax professional about potential tax savings.
Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.