Have your money work smarter

Have your hard earned money work smarter for you and your future.

CAFCU is committed to helping you with your financial well-being, and one of the most important parts of your financial future is saving. 

CAFCU offers some great savings options at competitive rates, such as our Share Certificates, Traditional and Roth IRAs. Giving you peace of mind that your money is safe and working for you! 


$1,000 minimum APY** Dividend Rate
6-month 0.25% 0.25%
12-month 0.35% 0.35%
24-month 0.40% 0.40%
36-month 0.60% 0.60%
$10,000 minimum APY** Dividend Rate
6-month 0.30% 0.30%
12-month 0.40% 0.40%
24-month 0.45% 0.45%
36-month 0.65% 0.65%

Get your money working Smarter today!  

Log In to Open Account

Visit your nearest branch or call our Member Center at 1-800-359-1939, Monday - Friday from 7 a.m. to 7:30 p.m. CST.

‚ÄčNote: You must be a current CAFCU member to open an account online.


Benefits of opening a Share Certificate:

  • Higher rates of return than regular savings
  • Fixed, predictable rates of return
  • Safety. Federally insured up to $250,000 by NCUA
  • Affordable. Only $1,000 minimum investment
  • Flexibility. Wide selection of terms from 6 to 36 months+
  • Convenient automatic renewal

Benefits of opening an IRA:

  • Potential tax savings***
  • Tiered rate structure – save more, earn more
  • Direct Deposit or Payroll Allocation
  • Access to funds if needed (penalties may apply)
  • Withdraw funds without penalty as early as age 59½
  • Safety. Federally insured up to $250,000 by NCUA

Learn More

Traditional or Roth?

When it comes to your IRAs, you have a choice. Both Traditional and Roth IRAs offer potential tax benefits, but at different times. Ask your tax advisor to find out which IRA is best for you.

Traditional IRA

Roth IRA

+Penalties will apply for early withdrawal of funds.
**APY = Annual Percentage Yield.
***The IRS regulates an individual’s maximum IRA annual contributions; please consult with a tax advisor. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Dividends calculated daily, paid monthly.