Facebook Federally insured savings Boston, MA | CD’s | IRA’s | Money markets

30-Month Certificate

2.00%
APY*
 
Interest Rates Certified by Datatrac
OVERVIEW

So many ways to save – with secure protection that we’re banking on

No risk. High yield. Federally-backed savings with outstanding local service. With Direct Federal, it’s safe to say that all of your savings options are well, safe. (See, we believe that a savings account should earn money, not cost money.) So whether it’s a high-interest certificate, retirement fund or flexible money market account, you can enjoy competitive rates and a great return. Now all that’s left is choosing the account that’s perfect for you.

  • Share Certificates -- Federally-insured with a fixed-interest rate that’s guaranteed to grow your money over the entire term of the certificate.  Learn more >
  • Money Market Account – Easy-access savings with free check withdrawals, no monthly service fees and tiered APRs so the more you save, the more you earn.  Learn more >
  • Individual Retirement Accounts – Roll over your IRA with a risk-free savings strategy that will help you prepare for the long-term.  Learn more >
  • Savings Accounts – Federally-backed savings with no fees and anytime/anywhere access through free web banking service.  Learn more >

Rates

RATES

Rates

  • CERTIFICATES
  • SAVINGS
  • MONEY MARKET
3-Month RATE / APY*  
CD 0.25% / 0.25%
Jumbo 0.30% / 0.30%
6-Month RATE / APY*  
CD 0.25% / 0.25%
Jumbo 0.30% / 0.30%
8-MONTH RATE / APY*
CD 1.19% /1.20%
JUMBO 1.24% / 1.25%
9-month RATE / APY*
CD 0.35% / 0.35%
Jumbo 0.40% / 0.40%
12-Month RATE / APY*
CD 0.50% / 0.50%
Jumbo 0.55% / 0.55%
15-Month RATE / APY*
CD 1.34% / 1.35%
Jumbo 1.39% / 1.40%
18-Month RATE / APY*
CD 1.59% / 1.60%
Jumbo 1.64% / 1.65%
21-MONTH RATE / APY*
CD 1.59% / 1.60%
Jumbo 1.64% / 1.65%
24-Month RATE / APY*
CD 0.75% / 0.75%
Jumbo 0.80% / 0.80%
30-Month RATE / APY*
CD 1.980% / 2.00%
Jumbo 2.030% /2.05%
36-Month RATE / APY*
CD 1.54% / 1.55%
Jumbo 1.59% / 1.60%
48-Month RATE / APY*
CD 1.59% / 1.60%
Jumbo 1.64% / 1.65%
60-Month RATE / APY*
CD 1.74% / 1.75%
Jumbo 1.79% / 1.80%
TERM CD RATE CD APY* JUMBO RATE JUMBO APY*  
3-Month 0.25% 0.25% 0.30% 0.30% Apply Now
6-Month 0.25% 0.25% 0.30% 0.30% Apply Now
7-Month 0.25% 0.25% 0.30% 0.30% Apply Now
8-Month 1.19% 1.20% 1.24% 1.25% Apply Now
9-Month 0.35% 0.35% 0.40% 0.40% Apply Now
12-Month 0.50% 0.50% 0.55% 0.55% Apply Now
15-Month 1.34% 1.35% 1.39% 1.40% Apply Now
18-Month 1.59% 1.60% 1.64% 1.65% Apply Now
21-Month 1.59% 1.60% 1.64% 1.65% Apply Now
24-Month 0.75% 0.75% 0.80% 0.80% Apply Now
30-Month 1.980% 2.00% 2.030% 2.05% Apply Now
36-Month 1.54% 1.55% 1.59% 1.60% Apply Now
48-Month 1.59% 1.60% 1.64% 1.65% Apply Now
60-Month 1.74% 1.75% 1.79% 1.80% Apply Now
All balances
APY* 0.30%
ALL BALANCES  
APY* 0.30% Apply Now

*Annual Percentage Yield (APY). The minimum to open and earn APY is $5.00. The APY and dividend rates are effective as of 11/1/17 and may change at any time without notice. Fees could reduce earnings on these accounts. Transfers from statement savings accounts or money market accounts to another account or to third parties by preauthorized, automatic, telephone, facsimile, or computerized transfer are limited to six transfers per monthly statement cycle.

tIER 1    
BALANCE Up to $24,999.99
APY* 0.15%
TIER 2    
BALANCE $25,000 - $49,999.99
APY* 0.30%
TIER 3    
BALANCE $50,000 - $74,999.99
APY* 0.30%
TIER 4  
BALANCE $75,000 - $99,999.99
APY* 0.40%
TIER 5  
BALANCE $100,000 - $199,999.99
APY* 0.40%
TIER 6  
BALANCE $200,000 or more
APY* 0.40%
TIER balance APY*  
Tier 1 Up to $24,999.99 0.15% Apply Now  
Tier 2 $25,000 to $49,999.99 0.30% Apply Now  
Tier 3 $50,000 - $74,999.99 0.30% Apply Now  
Tier 4 $75,000 - $99,999.99 0.40% Apply Now  
Tier 5 $100,000 - $199,999.99 0.40% Apply Now  
Tier 6 $200,000 or more 0.40% Apply Now  

*Annual Percentage Yield (APY). The APY and dividend rates are effective as of 11/1/17 and may change at any time without notice. The minimum to open and earn APY is $500.00. Fees could reduce earnings on these accounts. Transfers from statement savings accounts or money market accounts to another account or to third parties by preauthorized, automatic, telephone, facsimile, or computerized transfer are limited to six transfers per monthly statement cycle.

CALCULATORS

Calculators

What will it take to help reach your savings goals? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.

Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.

Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars. This calculator helps show you how much postponing your savings plan can really cost.

Having adequate emergency savings can make unforeseen unemployment, auto repairs, medical emergencies, property damage and even legal issues more manageable. With adequate emergency savings, you can focus on how to best meet your family's needs, rather than worrying about finding the money to handle these difficult situations. This calculator helps you determine how much emergency savings you may need, and how you can begin saving toward this important goal.

The credit card roll-down applies two simple principles to paying off your credit card debt.

  • Pay off your highest interest rate first.
  • When a credit card balance is paid in full, apply its monthly payment to the balance with the next highest interest rate.

To see how this can be applied to your credit card debt, enter your credit card balances and an additional Roll-down amount. The calculator will then apply your additional monthly payment to the credit card with the highest rate. When that credit card is paid in full, the card with the next highest rate will be paid down. This continues until you have rolled through all of your credit cards and your debt is paid in full. Click the "View Report" button for a detailed look at the results.

LEARN MORE

Learn More

SHARE CERTIFICATES:

No matter which option you choose, your investment is federally insured with a fixed interest rate that’s guaranteed to grow your money over the entire term of the certificate.

  • No hidden fees
  • Open with as little as $250
  • Flexible terms ranging from three months to five years
  • Federally insured to at least $250,000, meaning your investment is backed by the full faith and credit of the U.S. Government

I’m in! Open an account now.

Money Market Accounts:

Easy-access savings with free withdrawals by check, no monthly service fees and tiered APRs – so the more you save, the more you earn, plus:

  • •Open with as little as $500
  • •Total deposits limited to $2,500,000
  • •Federally insured to at least $250,000, meaning your investment is backed by the full faith and credit of the U.S. Government

I’m in! Open an account now.

Individual Retirement Accounts (IRAs):

Roll over your IRA with a risk-free savings strategy designed to help you save for the long-term. Whether you’re changing jobs or about to retire, Direct Federal will offer personal assistance to help you roll over your IRA into one of the following:

  • •Money Market Account - minimum deposit of $500; perfect if you would like to make scheduled automatic deposits to your IRA with every direct deposit
  • •24-Month Variable-Rate CD – minimum deposit of $50; perfect if you would like to make monthly contributions to your IRA
  • Fixed-Rate CD - minimum deposit of $250; perfect if you prefer to make your annual IRA contribution all at one time

I'm in! Open an account now.

*All IRA accounts federally insured to at least $250,000, meaning your investment is backed by the full faith and credit of the U.S. Government Ready to roll? Simply call us at 781.455.6500 and then complete your application online.

Savings Accounts:

Federally-insured savings with no fees and anytime/anywhere access through free web banking service.

  • •Open with as little as $5
  • •Three savings tiers
  • •Free banking service online and at SUM ATMs
  • •Federally insured to at least $250,000, meaning your investment is backed by the full faith and credit of the U.S. Government

I’m in! Open an account now.

We strive to provide our members great rates, easy access and remarkable service. If you have any feedback on how we could improve in these areas, please let us know.

 

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