Money When and Where You Need It
As a Credit Union 1 Fighting Irish Program member, you have access to competitive rates on mortgages, auto loans, and many other kinds of borrowing options. It's just another great benefit of being a member. Stop in a branch and let's discuss your lending needs. We are confident you will be pleasantly surprised at how affordable Credit Union 1 loan rates can be.
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Credit Union 1 offers a variety of savings options with competitive rates to Fighting Irish members. Choose from different types of savings accounts, Money Market Account, Share Certificates (CDs), and IRAs, and build your savings.
| Program |
Minimum Balance
to Open |
Minimum Balance to
Earn Dividends |
APY1 |
APR |
| Fighting Irish Checking Account |
$0 and Net Direct Deposit |
$0.01 |
3.30% |
3.251% |
| Fighting Irish Student Checking Account |
$25 or $500 Direct Deposit |
does not earn dividends |
n/a |
n/a |
| Fighting Irish Plus Checking Account |
$500 |
$0.01 |
0.01% |
0.010% |
| Fighting Irish Premium Plus Checking Account |
$500 and aggregate relationship with CU1 of $50,000 |
$0.01 |
0.01% |
0.010% |
Dividends calculated using Average Daily Balance
Last Dividend Declaration Date: January 25, 2023. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1APY=Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
| Program |
Minimum Balance
to Open |
Minimum Balance to
Earn Dividends |
APY1 |
APR |
| Shamrock Savings (Primary Savings) |
$5 |
$5 |
0.01% |
0.010% |
| Shamrock High Yield Savings |
$0 |
$1 |
3.30% |
3.251% |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: January 25, 2023. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1APY=Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
Gold Share Certificate Accounts
| |
Gold Share Certificate
|
Gold Share Certificate Plus
|
|
| Term |
Minimum Balance to
Open and Earn Dividends
|
APY1 |
APR |
Minimum Balance to
Open and Earn Dividends |
APY1 |
APR |
Early Withdrawal
Penalty Amount2 |
| 6 Months |
$1,000 |
2.00% |
01.982% |
$10,000 |
2.00% |
1.982% |
90 Days' Dividends |
| 12 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
90 Days' Dividends |
| 24 Months |
$1,000 |
4.25% |
4.169% |
$10,000 |
4.25% |
4.169% |
180 Days' Dividends |
| 36 Months |
$1,000 |
3.75% |
3.687% |
$10,000 |
3.75% |
3.687% |
270 Days' Dividends |
| 48 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
| 60 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: January 25, 2023. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1APY=Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.
Gold IRA Certificate Accounts
Traditional, Roth, or Educational
| |
Gold IRA Certificate
|
Gold IRA Certificate Plus
|
|
| Term |
Minimum Balance to
Open and Earn Dividends
|
APY1 |
APR |
Minimum Balance to
Open and Earn Dividends |
APY1 |
APR |
Early Withdrawal
Penalty Amount2 |
| 6 Months |
$1,000 |
2.00% |
1.982% |
$10,000 |
2.00% |
1.982% |
90 Days' Dividends |
| 12 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
90 Days' Dividends |
| 24 Months |
$1,000 |
4.25% |
4.169% |
$10,000 |
4.25% |
4.169% |
180 Days' Dividends |
| 36 Months |
$1,000 |
3.75% |
3.687% |
$10,000 |
3.75% |
3.687% |
270 Days' Dividends |
| 48 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
| 60 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: January 25, 2023. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1APY=Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.
Minimum Balance
to Open |
Minimum Balance to
Earn Dividends |
APY1 |
APR |
| $2,500 |
$2,500 |
0.05% |
0.050% |
| $2,500 |
$25,000 |
0.10% |
0.100% |
| $2,500 |
$50,000 |
0.20% |
0.199% |
| $2,500 |
$100,000 |
0.30% |
0.299% |
| $2,500 |
$250,000 |
0.40% |
0.399% |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: January 25, 2023. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1APY=Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.