Term Share and IRA Account
We offer a variety of share accounts that can earn a higher dividend rate than regular share accounts. Our Share Accounts not only yield a higher rate of return, but they also offer flexible terms to fit your financial needs including a jumbo rate for higher balances.
8 Month Share Certificate Limited Time Special Rates
| Term | APY* |
|---|---|
| 8 Months | 4.25% |
*APY = Annual Percentage Yield. New money into BFCU only. The minimum deposit required to open a Term Share Account is $1,000. Early withdrawal penalties apply. Fees may reduce earnings on the account. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. Limited time offer and subject to change without notice. Other rates and terms available. APY valid as of 3/1/2025
Share Certificate and IRA Accounts Rates
| Term | Regular Dividend Rate | APY | Jumbo Dividend Rate* | APY |
|---|---|---|---|---|
| 6 Months | 3.45% | 3.50% | 3.70% | 3.76% |
| 1 Year | 2.96% | 3.00% | 3.21% | 3.26% |
| 2 Years | 2.96% | 3.00% | 3.21% | 3.26% |
| 3 Years | 2.96% | 3.00% | 3.21% | 3.26% |
| 4 Years | 3.20% | 3.25% | 3.45% | 3.51% |
| 5 Years | 3.20% | 3.25% | 3.45% | 3.51% |
APY (Annual Percentage Yield). The minimum balance required to open a Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. IRA (Individual Retirement Account).
*Members investing $100,000 or more in aggregate Share Certificate Account balances will receive a Jumbo Dividend Rate of .25% over our Regular Dividend Rate for the term of investment. Existing Term Share Accounts will retain their current rate, and the Jumbo Dividend Rate will be applied to all future Share Certificate Accounts opened and rolled over after January 1, 2009. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.