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Minnesota Rates

APY = Annual Percentage Yield. Rates and APYs accurate as of November 2, 2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Checking Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Checking N/A N/A N/A N/A $25
Senior Checking 0.25% 0.25% $0 Monthly $25
Health Savings Account (HSA) 0.40% 0.40% $0 Monthly $0
Community Checking 0.05% 0.05% $25,000 Monthly $25
Simple Business Checking N/A N/A N/A N/A $25
Traditional Business Checking N/A N/A N/A N/A $25
StartFresh Checking N/A N/A N/A N/A $25

Freedom Rewards Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 1.49% 1.50% Monthly $25
$10,000+ 0.25% 1.50% to 0.36% Monthly $25
All balances if qualifications not met 0.01% 0.01% Monthly $25

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Freedom Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $4,999.99 0.01% 0.01% Monthly $25
$5,000+ 0.05% 0.05% Monthly $25

Savings Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Savings 0.10% 0.10% $0 Quarterly $25
Individual Retirement Accounts 0.25% 0.25% $200 Quarterly $200

Freedom Rewards Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 0.50% 0.50% Monthly $25
$10,000+ 0.10% 0.14% - 0.50% Monthly $25
All balances if qualifications not met 0.03% 0.03% Monthly $25

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Junior Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $5,000 1.49% 1.50% Quarterly $5
$5,000+ 0.20% 0.20% Quarterly $5

Excellence Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $49,999.99 0.03% 0.03% Monthly $10,000
$50,000 - $99,999.99 0.20% 0.20% Monthly $10,000
$100,000 - $249,999.99 0.25% 0.25% Monthly $10,000
$250,000+ 0.35% 0.35% Monthly $10,000

Freedom Advantage Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.07% 0.07% Monthly $500
$100,000 - $249,999.99 0.25% 0.25% Monthly $500
$250,000 - $499,999.99 0.30% 0.30% Monthly $500
$500,000+ 0.35% 0.35% Monthly $500

Senior Money Market Savings Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.20% 0.20% Quarterly $500
$25,000 - $99,999.99 0.30% 0.30% Quarterly $500
$100,000+ 0.40% 0.40% Quarterly $500

MORE Money Market Account

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.20% 0.20% Monthly $500
$100,000 - $249,999.99 0.35% 0.35% Monthly $500
$250,000 - $499,999.99 0.35% 0.35% Monthly $500
$500,000+ 0.45% 0.45% Monthly $500

*MORE Money Market account requires one of the following: (1) personal demand deposit account that receives Direct Deposit, or (2) primary operating business account with CCFBank.

Certificates of Deposit Learn More

Term Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
100 Days 0.10% 0.10% $1,000 Maturity $1,000
6 Months 0.35% 0.35% $1,000 Maturity $1,000
11 Month Special 0.45% 0.45% $5,000 Maturity $5,000
12 Months 0.35% 0.35% $1,000 Maturity $1,000
*17 Months  0.65% 0.65% $5,000 Quarterly $5,000
24 Months 0.40% 0.40% $1,000 Quarterly $1,000
36 Months 0.40% 0.40% $1,000 Quarterly $1,000
48 Months 0.40% 0.40% $1,000 Quarterly $1,000
60 Months 0.40% 0.40% $1,000 Quarterly $1,000

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

  • Have an established checking account with direct deposit of your payroll or retirement benefits.
  • Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
  • Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.

Minnesota/Wisconsin Rates

APY = Annual Percentage Yield. Rates and APYs accurate as of November 2, 2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Checking Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Checking N/A N/A N/A N/A $25
Senior Checking 0.25% 0.25% $0 Monthly $25

Health Savings Account
(HSA)

0.40% 0.40% $0 Monthly $0
Community Checking 0.20% to 0.10% 0.20% to 0.10% N/A N/A $25
Simple Business Checking N/A N/A N/A N/A $25
Traditional Business Checking N/A N/A N/A N/A $25
StartFresh Checking N/A N/A N/A N/A $25

Freedom Rewards Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 1.49% 1.50% Monthly $25
$10,000+ 0.25% 1.50% to 0.36% Monthly $25
All balances if qualifications not met 0.01% 0.01% Monthly $25

 

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Freedom Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $4,999.99 0.01% 0.01% Monthly $25
$5,000+ 0.03% 0.03% Monthly $25

Savings Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Savings 0.10% 0.10% $0 Quarterly $25
Individual Retirement Accounts 0.25% 0.25% $200 Quarterly $200

Freedom Rewards Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 0.50% 0.50% Monthly $25
$10,000+ 0.25% 0.50% to 0.27% Monthly $25
All balances if qualifications not met 0.03% 0.03% Monthly $25

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Junior Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $5,000 1.49% 1.50% Quarterly $5
$5,000+ 0.20% 0.20% Quarterly $5

Excellence Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $49,999.99 0.15% 0.15% Monthly $10,000
$50,000 - $99,999.99 0.20% 0.20% Monthly $10,000
$100,000 - $249,999.99 0.25% 0.25% Monthly $10,000
$250,000+ 0.35% 0.35% Monthly $10,000

Freedom Advantage Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.15% 0.15% Monthly $500
$100,000 - $249,999.99 0.25% 0.25% Monthly $500
$250,000 - $499,999.99 0.30% 0.30% Monthly $500
$500,000+ 0.35% 0.35% Monthly $500

Senior Money Market Savings Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.20% 0.20% Quarterly $500
$25,000 - $99,999.99 0.30% 0.30% Quarterly $500
$100,000+ 0.40% 0.40% Quarterly $500

MORE Money Market Account

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.20% 0.20% Monthly $500
$100,000 - $249,999.99 0.35% 0.35% Monthly $500
$250,000 - $499,999.99 0.35% 0.35% Monthly $500
$500,000+ 0.45% 0.45% Monthly $500

*MORE Money Market account requires one of the following: (1) personal demand deposit account that receives Direct Deposit, or (2) primary operating business account with CCFBank.

Certificates of Deposit Learn More

Term Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
100 Days 0.15% 0.15% $1,000 Maturity $1,000
6 Months 0.35% 0.35% $1,000 Maturity $1,000
11 Month Special 0.45% 0.45% $5,000 Maturity $1,000
12 Months 0.35% 0.35% $1,000 Maturity $1,000
*17 Months 0.65% 0.65% $5,000 Quarterly $5,000
24 Months 0.40% 0.40% $1,000 Quarterly $1,000
36 Months 0.40% 0.40% $1,000 Quarterly $1,000
48 Months 0.40% 0.40% $1,000 Quarterly $1,000
60 Months 0.40% 0.40% $1,000 Quarterly $1,000

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

  • Have an established checking account with direct deposit of your payroll or retirement benefits.
  • Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
  • Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.

Wisconsin - Tomah Market Area Rates

APY = Annual Percentage Yield. Rates and APYs accurate as of November 2, 2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Checking Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Checking N/A N/A N/A N/A $25
Senior Checking 0.25% 0.25% $0 Monthly $25
Health Savings Account (HSA) 0.40% 0.40% $0 Monthly $0
Community Checking N/A N/A N/A N/A $25
Simple Business Checking N/A N/A N/A N/A $25
Traditional Business Checking N/A N/A N/A N/A $25
StartFresh Checking N/A N/A N/A N/A $25

Freedom Rewards Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 2.67% 2.70% Monthly $25
$10,000+ 0.25% 0.47% to 2.70% Monthly $25
All balances if qualifications not met 0.03% 0.03% Monthly $25

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Freedom Checking Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $4,999.99 0.01% 0.01% Monthly $25
$5,000+ 0.03% 0.03% Monthly $25

Savings Accounts

Account Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
Traditional Savings 0.10% 0.10% $0 Quarterly $25
Individual Retirement Accounts 0.25% 0.25% $200 Quarterly $200

Freedom Rewards Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $10,000 0.50% 0.50% Monthly $25
$10,000+ 0.25% 0.50% to 0.27% Monthly $25
All balances if qualifications not met 0.03% 0.03% Monthly $25

*APY = Annual Percentage Yield. APY effective 8/7/2020. 1.50% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.36% and 1.50%. If you do not meet the requirements per qualification cycle, your account will still function as a checking account earning 0.01% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. A monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM. Transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One account per primary tax ID number. Only available as a personal account. Member FDIC.

Junior Saver Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $5,000 1.49% 1.50% Quarterly $5
$5,000+ 0.20% 0.20% Quarterly $5

Excellence Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $49,999.99 0.15% 0.15% Monthly $10,000
$50,000 - $99,999.99 0.20% 0.20% Monthly $10,000
$100,000 - $249,999.99 0.25% 0.25% Monthly $10,000
$250,000+ 0.35% 0.35% Monthly $10,000

Freedom Advantage Money Market Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.15% 0.15% Monthly $500
$100,000 - $249,999.99 0.25% 0.25% Monthly $500
$250,000 - $499,999.99 0.30% 0.30% Monthly $500
$500,000+ 0.35% 0.35% Monthly $500

Senior Money Market Savings Learn More

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.20% 0.20% Quarterly $500
$25,000 - $99,999.99 0.30% 0.30% Quarterly $500
$100,000+ 0.40% 0.40% Quarterly $500

MORE Money Market Account

Balance Interest Rate APY Frequency Interest Paid Minimum Opening Balance
$0 - $24,999.99 0.05% 0.05% Monthly $500
$25,000 - $99,999.99 0.20% 0.20% Monthly $500
$100,000 - $249,999.99 0.35% 0.35% Monthly $500
$250,000 - $499,999.99 0.35% 0.35% Monthly $500
$500,000+ 0.45% 0.45% Monthly $500

*MORE Money Market account requires one of the following: (1) personal demand deposit account that receives Direct Deposit, or (2) primary operating business account with CCFBank.

Certificates of Deposit Learn More

Term Interest Rate APY Minimum Daily Balance Frequency Interest Paid Minimum Opening Balance
100 Days 0.15% 0.15% $1,000 Maturity $1,000
6 Months 0.35% 0.35% $1,000 Maturity $1,000
11 Month Special 0.45% 0.45% $5,000 Maturity $5,000
12 Months 0.35% 0.35% $1,000 Maturity $1,000
*17 Months 0.65% 0.65% $5,000 Quarterly $5,000
24 Months 0.40% 0.40% $1,000 Quarterly $1,000
36 Months 0.40% 0.40% $1,000 Quarterly $1,000
48 Months 0.40% 0.40% $1,000 Quarterly $1,000
60 Months 0.40% 0.40% $1,000 Quarterly $1,000

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

  • Have an established checking account with direct deposit of your payroll or retirement benefits.
  • Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
  • Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.