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1-866-TobyFCU (866-862-9328) 
Routing # 231386331 
Current Prime Rate 3.25% 
Current Fed Funds Rate 0.25% 

Rates

Our rates at a glance

Rates current as of: 4/04/2014

Promotional Limited Time Offers

See our promotions page for all of our current offers


Share Savings & Flex Savings Accounts

See Details Share Savings / Flex Savings
Dollar amount: Rate
$100 - $9,999.99 0.01% APY*
$10,000 - $49,999.99 0.05% APY*
$50,000+ 0.10% APY*

IRA Share Savings
(Roth & Traditional)

See Details IRA (Roth/Traditional)
Dollar amount: Rate
$100+ 0.40% APY*

Money Market Accounts

See Details Money Market
Account Dollar Range APY*
$2,500.00 - $9,999.99 0.10%
$10,000.00 - $49,999.99 0.15%
$50,000.00+ 0.20%

Club Accounts

See Details Christmas Club / Vacation Club / Tax Club

Christmas Club

Maturity Date Rate (APY*)
September 30th 0.15%

Vacation Club

Maturity Date Rate (APY*)
April 30th 0.15%

Tax Club

Maturity Date Rate (APY*)
January 31st 0.15%

Share Certificates/IRA Share Certificates

See Details Share Certificates / IRA Share Certificates
Term $500 - $24,999.99 $25,000+
(Months) APY* APY*
3 .15% .25%
6 .25% .35%
12 .40% .50%
24 .65% .75%
36 .75% .85%
48 1.35% 1.45%
60 1.75% 1.85%
Add .10% to any rate when you have Direct Deposit with us.2

Additional Certificates

See Details Add To Me / Blended Rate / EZ Access / Prime Rate

Add To Me Certificate

Minimum Deposit: $100
Term (Months) Rate (APY*)
14 0.35%
14 0.60%(with $30/month deposits)

Blended Rate Certificate

Minimum Deposit: $5,000

Old Money

Term (Months) Rate (APY*)
13 0.55%

New Money2

Term (Months) Rate (APY*)
13 0.55%

EZ Access Certificate

Minimum Deposit: $1,000
Term (Months) Rate (APY*)
18 0.25%

Prime Rate Certificate

Minimum Deposit: $1,000
Current Prime Rate: 3.25%
Term (Years) Rate (APY*)
7 Prime Rate - 3.25%
(floor rate of 3.04% and ceiling rate of 7.23%)

Promotional Limited Time Offers

See our promotions page for all of our current offers


Conditions & Notes

A processing fee of $99 may apply to loans
* Annual Perecentage Yield
1 Monies not currently on deposit at TobyFCU
2 Direct Deposit is defined as $500 or more of electronic deposit to your account in the last 30 days.