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Account & Dividend Rates

When it comes to higher rates on deposit accounts, our numbers are in your favor.

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Give your money some added muscle

At Foothill Credit Union, our goal is to offer plenty of bang for your bucks. Our dividend-earning checking, savings, Money Market, Share Certificate and retirement accounts all come with attractive earnings potential.

Dividend Rates

Account Type Account Minimum Dividend Minimum Dividend Rate APY*
Regular Shares $5.00 $150.00 0.05% 0.05%
Summertime Savings** $50.00 $50.00 0.45% 0.45%
Summertime Savings for School Employees1 $50.00 $50.00 5.83% 6.00%
Educator Plus Savings*** $0.00 $0.00 0.55% 0.55%
Christmas Club $50.00 $50.00 0.45% 0.45%
Rainy Day Savings (less than $2,500)**** $0.00 $0.00 0.45% 0.45%
Rainy Day Savings ($2,500+)**** $0.00 $0.00 0.05% 0.05%
Flex Savings (New Money Only)† $15,000 $15,000 3.92% 4.00%

Last Modified: 1/20/2025

*APY= Annual Percentage Yield. Rates subject to change without notice.

** With payroll deposit, maximum amount of deposit per month $2,500.

***Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings.

**** $5 min. - $250 max monthly Foothill account transfer. Regular Share rate will apply to any balance over $2,500. Each additional withdrawal within the 90 day period will incur a $2.00 fee. Each withdrawal made will reset the month count for applicable bonuses.

1 Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.

The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period. Members with a Christmas Club and a Summertime Savings are allowed a combined maximum deposit of $2,500 per month into both accounts. See the credit union for clarification.

One account per member.

† Must maintain a $15,000 balance to earn interest. New money only. New money is considered as funds that have been deposited into the credit union in the last 90 days. No penalty for withdrawals.

 
Term Account Minimum Dividend Minimum Dividend Rate APY*
MoneyLand (Ages 8-under) $5.00 $5.00 0.05% 0.05%
Money101 (Ages 9-12) $5.00 $5.00 0.05% 0.05%
Money$mart (Ages 13-17) $5.00 $25.00 0.05% 0.05%
MoneyBound (Ages 18-24) $5.00 $50.00 0.05% 0.05%

Last Modified: 1/20/2025

*APY= Annual Percentage Yield. Rates subject to change without notice.

A 0.05% rate bonus when balance reaches $500, $1,000, and $1,500.

The above rates are variable, subject to change without notice and are anticipated rates and annual percentage yields for the current dividend rate.
Level Account Minimum Dividend Minimum Dividend Rate APY*
Tier 1 $50.00 $50.00 0.30% 0.30%
Tier 2 $2,500.00 $2,500.00 0.35% 0.35%
Tier 3 $10,000.00 $10,000.00 0.40% 0.40%
Tier 4 $20,000.00 $20,000.00 0.45% 0.45%
Tier 5 $50,000.00 $50,000.00 0.50% 0.50%
Tier 6 over $100,000 over $100,000 0.60% 0.60%
Tier 7 over $250,000 over $250,000 0.65% 0.65%

Last Modified: 1/20/2025

*APY=Annual Percentage Yield. Rates subject to change without notice.

The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.

If your average daily balance is from $50 to $2,499, the first dividend rate and annual percentage yield listed for this account will apply.
Term Account Minimum Dividend Minimum Dividend Rate APY*
Tier 1 $1,000.00 $1,000.00 0.30% 0.30%
Tier 2 $2,500.00 $2,500.00 0.35% 0.35%
Tier 3 $10,000.00 $10,000.00 0.40% 0.40%
Tier 4 $20,000.00 $20,000.00 0.45% 0.45%
Tier 5 $50,000.00 $50,000.00 0.50% 0.50%
Tier 6 $100,000.00 $100,000.00 0.60% 0.60%
Tier 7 $250,000.00 Over $250,000 0.65% 0.65%

Last Modified: 1/20/2025

*APY= Annual Percentage Yield. Rates subject to change without notice.

The rates above are variable, subject to change without notice, and are anticipated rates and annual percentage yields for the current dividend period.
Term Dividend Rate APY*
3 Month (FLEX SPECIAL)** 3.92% 4.00%
6 Month (FLEX SPECIAL)** 3.68% 3.75%
12 Month (FLEX SPECIAL)** 3.44% 3.50%
6 Month 2.23% 2.25%
12 Month 2.71% 2.75%
24 Month 2.96% 3.00%
28 Month (Online only)† 3.05% 3.10%
36 Month 3.10% 3.15%
48 Month 3.20% 3.25%
60 Month 3.44% 3.50%

Last Modified: 1/20/2025

$2,000 Minimum Balance.

*APY= Annual Percentage Yield. Rates subject to change without notice.

**3-month, 6-month flex, and 12-month flex certificate: APY assumes that dividends will remain in the account until maturity. Unlimited additional deposits and one penalty free withdrawal during initial term of the CD. Additional withdrawals prior to certificate maturity will result in a penalty. Minimum Balance is required in order to open Term Share Certificate and earn dividends. Early withdrawal penalties do apply which may reduce the principal. The promotional 3-month, 6-month, or 12-month term share certificate (TSC) have a $2,000 minimum deposit. No maximum, although, a member’s total aggregate deposits may not exceed $2.5 million. At maturity, certificate will automatically roll over to the standard 3-month, 6-month, or 12-month certificate with corresponding rate at that time, unless otherwise specified by the member prior to maturity date. 

†Online Certificate Special: 28 Month Certificate can only be opened via Foothill's online banking. If you currently do not have online banking, please call us at (626) 445-0950 to set up access. Maximum deposit of $250,000.
Term Dividend Rate APY*
6 Month 2.32% 2.35%
12 Month 2.81% 2.85%
24 Month 3.05% 3.10%
36 Month 3.20% 3.25%
48 Month 3.30% 3.35%
60 Month 3.54% 3.60%

Last Modified: 1/20/2025

$50,000 Minimum Balance

* APY= Annual Percentage Yield. Rates subject to change without notice.
Term Dividend Rate APY*
12 Month 2.71% 2.75%
24 Month 2.95% 3.00%
36 Month 3.10% 3.15%
48 Month 3.20% 3.25%
60 Month 3.44% 3.50%

Last Modified: 1/20/2025

$2,000 Minimum Balance

* APY= Annual Percentage Yield. Rates subject to change without notice.
Term Dividend Rate APY*
12 Month 2.81% 2.85%
24 Month 3.05% 3.10%
36 Month 3.20% 3.25%
48 Month 3.30% 3.35%
60 Month 3.54% 3.60%

Last Modified: 1/20/2025

$50,000 Minimum Balance

* APY= Annual Percentage Yield. Rates subject to change without notice.
Term Dividend Rate APY*
12 Month 4.02% 4.10%

Last Modified: 1/20/2025

* APY= Annual Percentage Yield. Rates subject to change without notice.

$25 minimum to open. Additional $25 deposits will be allowed at anytime. One penalty free withdrawal during 12-month term. Only Youth Account members are allowed to have a Youth Saver Certificate.

Youth Saver Certificate available until the age of 24.
Term Account Minimum Dividend Rate APY*
12 Month $500.00 3.68% 3.75%

Last Modified: 1/20/2025

*APY= Annual Percentage Yield. Rates subject to change without notice.

Account minimum is $500, maximum balance is $10,000. Members may open multiple Healthcare Employee Certificates for a maximum deposit of $10,000.

Checking Account Rates

Account Type Account Minimum Dividend Minimum Dividend Rate APY*
Protection Plus Checking $0.00 <$2,500 4.40% 4.50%
Protection Plus Checking $0.00 $2,500.01-$5,000 1.00% 1.00%
Protection Plus Checking $0.00 $5,000 - $10,000 0.50% 0.50%
Protection Plus Checking $0.00 >$10,000 0.10% 0.10%
Rewards Checking* $0.00 <$2,500 4.40% 4.50%
Rewards Checking $0.00 $2,500.01 - $5,000 1.00% 1.00%
Rewards Checking $0.00 $5,000.01 - $10,000 0.50% 0.50%
Rewards Checking $0.00 >$10,000 0.10% 0.10%
Simply Free Checking $0.00 N/A N/A% N/A%

Last Modified: 1/20/2025

* APY= Annual Percentage Yield. APY is paid on balances if required qualifications are met each month. If the qualifications are not met, then no dividends are earned. Rates subject to change without notice.

Fees could reduce earnings on account. The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period.

Rates and terms are subject to change without notice. Share deposits are insured by the NCUA to a maximum of $250,000. IRA's are insured separately by the NCUA to a maximum of $250,000. There is a substantial penalty for early withdrawal of certificate funds which could reduce the earnings on your account. There may be an additional IRS penalty for early withdrawal of IRA funds.


Your savings are federally insured to at least $250,000 and backed by the full faith and Credit of the United States Government; NCUA-National Credit Union Administration, a U.S. Government Agency.

 

Hear What Our Members Are Saying

"I have been a member for 20 years or so and I have nothing but positive things to say about you guys. We have used summer skip for a car loan, house loan, Summer Savings program and I am very happy with Foothill Credit Union."


- Thomas R.

Helpful Resources

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Rainy Day Savings

A savings account that has your back. Build up your reserves and earn extra money to help with you finances down the road.

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Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.