Rates / Yields
Find the best option for your savings goals with competitive deposit rates at Create Credit Union! Get more from your money with Money Market accounts, CDs, high-yield checking accounts and more!
Level Up Certificates and IRA Certificates – Variable Rate
| Months | Minimum Opening Balance | APR | APY |
|---|---|---|---|
| 3 | $500.00 | 3.75% | 3.82% |
| 6 | $500.00 | 3.60% | 3.66% |
| 12 | $500.00 | 3.55% | 3.61% |
| 18 | $500.00 | 3.55% | 3.61% |
| 24 | $500.00 | 3.60% | 3.66% |
| 36 | $500.00 | 3.65% | 3.71% |
| 48 | $500.00 | 3.70% | 3.76% |
| 60 | $500.00 | 3.75% | 3.82% |
If you withdraw the principal balance or close your certificate account prior to maturity, the following penalties will be assessed; 3, 6 and 12-month certificates will be assessed a 90-day interest penalty. 18, 24, 36, 48 and 60-month certificates will be assessed a 180-day interest penalty. Subsequent deposits are allowed to a certificate of deposit only within the first 7 days of account opening. Variable Rate - during the term of your Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term. The Annual Percentage Rate (APR) and Annual Percentage Yield (APY) on all savings products listed below can change at any time without notice as determined by the Board of Directors of Create Credit Union.
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.75% |
| APY | 3.82% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.60% |
| APY | 3.66% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.55% |
| APY | 3.61% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.55% |
| APY | 3.61% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.60% |
| APY | 3.66% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.65% |
| APY | 3.71% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.70% |
| APY | 3.76% |
| Minimum Opening Balance | $500.00 |
|---|---|
| APR | 3.75% |
| APY | 3.82% |
Consumer Money Market – Variable Rate
| Daily Balances | Minimum Opening Balance | APR | APY |
|---|---|---|---|
| $0 - $24,999.99 | $50.00 | 2.00% | 2.02% |
| $25,000 - $49,999.99 | $50.00 | 2.25% | 2.27% |
| $50,000 - $99,999.99 | $50.00 | 2.50% | 2.53% |
| $100,000 and above | $50.00 | 3.00% | 3.04% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below can change at any time without notice as determined by the Board of Directors of Create Credit Union.
| Minimum Opening Balance | $50.00 |
|---|---|
| APR | 2.00% |
| APY | 2.02% |
| Minimum Opening Balance | $50.00 |
|---|---|
| APR | 2.25% |
| APY | 2.27% |
| Minimum Opening Balance | $50.00 |
|---|---|
| APR | 2.50% |
| APY | 2.53% |
| Minimum Opening Balance | $50.00 |
|---|---|
| APR | 3.00% |
| APY | 3.04% |
Bonus Checking/Bonus Checking Plus1
| Average Daily Balances | APR | APY |
|---|---|---|
| $0.01 to $25,000.00 | 4.00% | 4.07% |
| $25,001.00 and above | 0.05% | 0.05% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all checking accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union.
1. Up to $25,000 balance eligible to 4.07% APY bonus rate. Balances over $25,000.01 or more will receive the applicable current rate. To qualify for the bonus rate, you must elect to receive e-statements and have a valid email on file with us, you must receive $1,000 or more in direct deposit(s) AND 15 Point of Sale debit or credit card transactions* posted to your account each month as reflected on your monthly periodic account and/or billing statement(s). *Credit card transactions will only apply towards the count of eligible transactions on the Oldest Bonus Checking account owned by the Primary account holder.
| APR | 4.00% |
|---|---|
| APY | 4.07% |
| APR | 0.05% |
|---|---|
| APY | 0.05% |
Essential Checking
| Daily Balances | APR | APY |
|---|---|---|
| $0.01 | 0.05% | 0.05% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all checking accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union.
| APR | 0.05% |
|---|---|
| APY | 0.05% |
CheckAgain Checking
| Daily Balances | Minimum Opening Balance | APR | APY |
|---|---|---|---|
| $0.00 | $5.00 | 0.01% | 0.01% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all checking accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union. Minimum balance to open CheckAgain Checking is $5.00.
| Minimum Opening Balance | $5.00 |
|---|---|
| APR | 0.01% |
| APY | 0.01% |
Membership Savings
| Daily Balances | Minimum Balance | APR | APY |
|---|---|---|---|
| $5.00 and above | $5.00 | 0.10% | 0.10% |
A dormant membership fee will be assessed to an account with no activity for 1-year or more.
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below on savings accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union. $5.00 minimum balance required as membership share.
| Minimum Balance | $5.00 |
|---|---|
| APR | 0.10% |
| APY | 0.10% |
Christmas/Vacation Club*, Secondary Savings
| Daily Balances | Minimum Opening Deposit | APR | APY |
|---|---|---|---|
| $0.01 | $5.00 | 0.10% | 0.10% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all savings products listed below on savings accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union. The minimum deposit to open a Christmas/Vacation Club and Secondary Savings is $5.00.
*Christmas/Vacation Club withdrawals may not be made online, only over the phone or at a branch.
| Minimum Opening Deposit | $5.00 |
|---|---|
| APR | 0.10% |
| APY | 0.10% |
IRA Savings – Fixed Rate
| Daily Balances | APR | APY |
|---|---|---|
| $0.00 | 0.15% | 0.15% |
Important Notice for IRA Account Holders*
Deadline for making a previous year contribution is April 15. Must be age 59 1/2 for withdrawals or meet the qualified distribution guidelines. Roth IRA must be open 5 years before qualified distribution can be made and the owner is 59 1/2 years old or older, or disabled, or using the distribution as a first-time home buyer. One year minimum term.
| APR | 0.15% |
|---|---|
| APY | 0.15% |
Business Interest Rates
| Daily Balances | APR | APY |
|---|---|---|
| $0.00 | 2.25% | 2.27% |
Variable Rate - The interest rate and Annual Percentage Yield (APY) on all checking accounts can change at any time without notice as determined by the Board of Directors of Create Credit Union. Interest will be forwarded to the Nevada State Bar Association monthly.
| APR | 2.25% |
|---|---|
| APY | 2.27% |
