person putting money in jar

Start saving now with this classic account for whatever you desire.

This classic account is an easy way to get started saving for whatever you like.

  • Earn dividends on balances over $5
  • No monthly maintenance fee
  • Three (3) over-the-counter withdrawals per quarter at no charge
APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $5.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees may reduce earnings. APY is variable and may change after the account is opened.

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Lock in a certificate rate for higher earnings.

Secure your financial future with highly competitive dividend rates and terms that work for you.

  • Invest only $500 for a term of 30 days through 12 months, or at least $1,000 for a term of 18-72 months.
  • Dividends for terms greater than 12 months can be compounded, transferred to another Campus Federal account, or mailed to you.

30 Month Bump and Jump Certificate

Lock in for a longer term and earn a higher rate of 3.00% APY* with our 30 month certificate. Plus, enjoy additional savings features with a one-time opportunity to ‘Bump’ or increase your funds in the certificate and a one-time opportunity to ‘Jump’ to a higher rate during the certificate’s 30 month term. Only $1,000 to open.

*APY=Annual Percentage Yield. Minimum amount to open and earn APY on 30 month Bump and Jump certificate is $1,000. Early withdrawal penalty on 30 month certificate will equal 180 days’ dividends. A one time deposit (bump) in an amount of at least $1,000 is allowed per 30 month term. The rate can be increased (jump) once per 30 month term after the first six months of the certificate’s opening date. When jumping to a higher rate, the new rate will remain in effect for the remainder of the certificate’s term. APY is accurate as of 12/20/2024.

TermAPYMinimum BalanceDividend Rate
Term: 30 days-Dividends paid at maturityAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.93%
Term: 91 days-Dividends paid at maturityAPY: 400%Minimum Balance: $500.00Dividend Rate: 3.94%
Term: 182 days-Dividends paid at maturityAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.96%
Term: 7 month-Dividends paid at maturityAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.97%
Term: 9-month-Dividends paid at maturityAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.98%
Term: 12 months-Dividends credited quarterlyAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.94%
Term: 18 months-Dividends credited quarterlyAPY: 3.85%Minimum Balance: $1,000.00Dividend Rate: 3.80%
Term: 24 months-Dividends credited quarterlyAPY: 3.75%Minimum Balance: $1,000.00Dividend Rate: 3.70%
Term: 30 months*-Dividends credited quarterlyAPY: 3.00%Minimum Balance: $1,000.00Dividend Rate: 2.97%
Term: 36 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 48 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 60 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 72 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%

Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. APY denotes Annual Percentage Yield. APY is accurate as of 12/20/2024. Fees could reduce earnings.

*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Invest more and lock in a jumbo certificate.

Invest more, earn more — that’s the idea behind Campus Federal Jumbo Certificates. Secure your financial future with highly competitive dividend rates and terms that work for you. Dividends for terms greater than 12 months can be compounded, transferred to another Campus Federal account or mailed to you. Check with us for current minimum investment requirements.

TermAPYMinimum BalanceDividend Rate
Term: 91 days-Dividends paid at maturityAPY: 4.00%Minimum Balance: $100,000.00Dividend Rate: 3.94%
Term: 182 days-Dividends paid at maturityAPY: 4.00%Minimum Balance: $100,000.00Dividend Rate: 3.96%
Term: 12 months-Dividends credited quarterlyAPY: 4.00%Minimum Balance: $100,000.00Dividend Rate: 3.94%
Term: 18 months-Dividends credited quarterlyAPY: 3.85%Minimum Balance: $100,000.00Dividend Rate: 3.80%
Term: 24 months-Dividends credited quarterlyAPY: 3.75%Minimum Balance: $100,000.00Dividend Rate: 3.70%
Term: 36 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $100,000.00Dividend Rate: 3.50%

Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. APY denotes Annual Percentage Yield. APY is accurate as of 12/20/2024. Fees could reduce earnings.

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Earn dividends with easy account access.

Enjoy a competitive dividend rate and easy access to your money. The monthly maintenance fee of $10 will not be charged if you maintain a minimum daily balance of $2,500.

Special features for members with a checking account:

  • Free specially designed checks for your checking account (one box per order)
  • Free travel money cards, money orders and official checks
Deposit AmountAPYMinimum BalanceDividend Rate
Deposit Amount: $2,500 - $4,999APY: 0.15%Minimum Balance: $2,500Dividend Rate: 0.15%
Deposit Amount: $5,000 - $24,999APY: 0.15%Minimum Balance: $5,000Dividend Rate: 0.15%
Deposit Amount: $25,000 - $49,999APY: 0.20%Minimum Balance: $25,000Dividend Rate: 0.20%
Deposit Amount: $50,000 - $99,999APY: 0.20%Minimum Balance: $50,000Dividend Rate: 0.20%
Deposit Amount: $100,000 +APY: 0.25%Minimum Balance: $100,000Dividend Rate: 0.25%

APY denotes Annual Percentage Yield. APY is accurate as of 12/1/2022. Fees may reduce earnings. APY is variable and may change after the account is opened.

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Explore the benefits of a Traditional or Roth IRA.

IRAs are a great way to save for retirement, with competitive rates and no setup or annual fees. We offer both Traditional and Roth IRAs. Choose a Share IRA with as little as $25 as you begin building toward your journey to a secure retirement or open a 12-to 72-month IRA Certificate account with as little as $500.

Ready to get started? Visit Retirement Central to open a new account, view and manage your current account, make deposits and more!

Already have an IRA account and want to transfer funds to a different Campus Federal IRA product? Contact us through a secure message in Online Banking or call us at (888) 769-8841. Click the "Request Info" button above or below the calculator if you require additional assistance and a Member Service Representative will contact you.

TermAPYMinimum BalanceDividend Rate
Term: IRA ShareAPY: 0.10%Minimum Balance: $5.00Dividend Rate: 0.10%
Term: 12 months-Dividends credited quarterlyAPY: 4.00%Minimum Balance: $500.00Dividend Rate: 3.94%
Term: 18 months-Dividends credited quarterlyAPY: 3.85%Minimum Balance: $1,000.00Dividend Rate: 3.80%
Term: 24 months-Dividends credited quarterlyAPY: 3.75%Minimum Balance: $1,000.00Dividend Rate: 3.70%
Term: 30 months*-Dividends credited quarterlyAPY: 3.00%Minimum Balance: $1,000.00Dividend Rate: 2.97%
Term: 36 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 48 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 60 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%
Term: 72 months-Dividends credited quarterlyAPY: 3.55%Minimum Balance: $1,000.00Dividend Rate: 3.50%

Any certificate account from 12 to 72 months can be used as an IRA. For all certificate rates visit our Rates page.

Certificate accounts are subject to SUBSTANTIAL PENALTY for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. APY denotes Annual Percentage Yield. APY is accurate as of 12/20/2024. Fees could reduce earnings.

*Bump and Jump Certificate, certain limitations apply, please view the Truth-in-Savings disclosure.

Minimum opening deposit for an IRA share is $200.00, but will be waived if a monthly automatic deposit of $25.00 or greater is setup.

Simple Savings Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Set money aside to reach a special financial purpose.

Saving for a special goal? Keep your eyes on the prize by setting up a separate Club Savings account!

  • Earn competitive dividends on daily balances over $200
  • No monthly maintenance fee
  • Two (2) over-the-counter withdrawals per year at no charge
APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $200.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of 9/19/19. Fees may reduce earnings. APY is variable and may change after the account is opened.”

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.

Let your high deductible insurance plan work for you.

When you open an HSA, you can start paying current medical expenses and saving for future qualified medical and retiree health expenses. Start earning dividends while you pay off medical expenses.

APYMinimum BalanceDividend Rate
APY: 0.10%Minimum Balance: $500.00Dividend Rate: 0.10%

APY denotes Annual Percentage Yield. APY is accurate as of (I have no clue). Fees may reduce earnings. APY is variable and may change after the account is opened.

Simple Saving Calculator

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. the calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. Hypothetical illustrations may provide historical or current performance information.
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