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: July 31, 2024. 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 |
$50,000 |
$1 |
3.30% |
3.251% |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: July 31, 2024. 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% |
1.982% |
$10,000 |
2.00% |
1.982% |
90 Days' Dividends |
12 Months |
$1,000 |
3.75% |
3.687% |
$10,000 |
3.75% |
3.687% |
90 Days' Dividends |
24 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
180 Days' Dividends |
36 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
48 Months |
$1,000 |
3.25% |
3.203% |
$10,000 |
3.25% |
3.203% |
270 Days' Dividends |
60 Months |
$1,000 |
3.25% |
3.203% |
$10,000 |
3.25% |
3.203% |
270 Days' Dividends |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: July 31, 2024. 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 |
3.75% |
3.687% |
$10,000 |
3.75% |
3.687% |
90 Days' Dividends |
24 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
180 Days' Dividends |
36 Months |
$1,000 |
3.50% |
3.445% |
$10,000 |
3.50% |
3.445% |
270 Days' Dividends |
48 Months |
$1,000 |
3.25% |
3.203% |
$10,000 |
3.25% |
3.203% |
270 Days' Dividends |
60 Months |
$1,000 |
3.25% |
3.203% |
$10,000 |
3.25% |
3.203% |
270 Days' Dividends |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: July 31, 2024. 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: July 31, 2024. 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.
See Additional CU1 Rates
Submit a Grant Application
Are you a part of an organization serving the South Bend, Michiana or Chicagoland communities? Credit Union 1 and The Golic Family Foundation want to hear about your organization's impact and how we can help further your mission. We are currently accepting applications for grants that will be distributed throughout 2023.
Get Started