Dividend Rates

Earn competitive interest rates while maintaining access to your funds with a CalCom Share, Share Draft or Money Market account.

Share, Share Draft and Money Market Accounts

Share Account Rates

Type of AccountMinimum DepositMinimum BalanceDividend Rate APY**
Tier 1 $5 $5 0.03% 0.03%
Tier 2 $5,000 $5,000 0.06% 0.06%
Tier 3 $50,000 $50,000 0.12% 0.12%

Kid's (0-12) & Youth (13-18) Accounts

Type of AccountMinimum DepositMinimum BalanceAPR*APY**
Tier 1 $5 $5 0.03% 0.03%
Tier 2 $500 $500 0.06% 0.06%
Tier 3 $5,000 $5,000 0.12% 0.12%

Money Market Accounts

Type of AccountMinimum DepositMinimum BalanceAPR*APY**
Tier 1 $2,500 $2,500 0.05% 0.05%
Tier 2 $5,000 $5,000 0.10% 0.10%
Tier 3 $50,000 $50,000 0.20% 0.20%

Maximize your return investment by taking out a Share Certificate or see tax free growth by opening an Individual Retirement Account (IRA).

Share Certificates and IRA Accounts

Term Share Certificate Accounts

Type of AccountMinimum DepositMinimum BalanceAPR*APY**
6 Months $2,500 $2,500 0.75% 0.75%
12 Months $2,500 $2,500 1% 1%
18 Months $2,500 $2,500 1.25% 1.26%
24 Months $2,500 $2,500 1.50% 1.51%
36 Months $2,500 $2,500 1.75% 1.76%

 

TierMinimum DepositMinimum BalanceAPR*APY**
6 Months $50,000 $50,000 1% 1%
12 Months $50,000 $50,000 1.25% 1.26%
18 Months $50,000 $50,000 1.50% 1.51%
24 Months $50,000 $50,000 1.75% 1.76%
36 Months $50,000 $50,000 2% 2.02%

IRA Share Accounts (Traditional or Roth)

Type of AccountMinimum DepositMinimum BalanceAPR*APY**
Tier 1 $5 $5 0.10% 0.10%
Tier 2 $5,000 $5,000 0.20% 0.20%
Tier 3 $50,000 $50,000 0.30% 0.30%

Term Share Certificates Member Loyalty Rate Rewards

Product or ServiceAdd to APR*
CalCom Visa Check Card 0.05%
Payroll Deduction or Direct Deposit 0.05%
Checking Account 0.05%
Bill Pay 0.05%
Mobile Banking & Mobile Check Deposit 0.05%
Cumulative Loan Balance(s) >$10,000 0.05%
Cumulative Loan Balance(s) >$50,000 0.10%
Cumulative Share Account(s) Daily Average Balance for 90 days = >$100,000 0.10%
Cumulative Share Account(s) Daily Average Balance for 90 days = >$250,000

0.20%

Cumulative Share Account(s) Daily Average Balance for 90 days = >$500,000 0.30%

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Note: Max rate rewards = 0.25%. Accounts must be active & established at least 90 days after opening.

*APR = Annual Percentage Rate. **APY = Annual Percentage Yield.

All rates are subject to change without prior notice. All rates are based on account balance. Primary Shares, Vacation, and Holiday Club Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. A penalty will or may be imposed for early withdrawal with a minimum of $100.

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