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| Account | Balance Requirements | Dividend Rate | APY* |
|---|---|---|---|
| Regular Share | $5 | 0.05% | 0.05% |
| Special Share | $5 | 0.05% | 0.05% |
| Holiday Club | $5 | 0.05% | 0.05% |
| Vacation Club | $5 | 0.05% | 0.05% |
| Money Market Share | $1,000 or Higher | 0.05% | 0.05% |
| High Yield Money Market | $0–$2,499 $2,500–$24,999.99 $25,000–$74,999.99 $75,000–$99,999.99 $100,000 or Higher | 0.05% 0.20% 0.35% 0.50% 1.00% | 0.05% 0.20% 0.35% 0.50% 1.00% |
| IRA | $5/$100 to earn APY* | 0.05% | 0.05% |
| HSA† | Balance under $2,500 $2,500–$5,000 Balance over $5,000 | 0.20% 0.30% 0.40% | 0.20% 0.30% 0.40% |
| Regular Checking | $20 to open | 0.00% | 0.00% |
| Student Checking | $20 to open | 0.00% | 0.00% |
| Flaggship Plus Checking | 0.05%** | 0.05%** | |
| Flaggship Plus 50 Checking | 0.05%** | 0.05%** |
| Account | Balance Requirements | Dividend Rate | APY* |
|---|---|---|---|
| 3 Months | $1,000 | 1.00% | 1.00% |
| 6 Months | $1,000 | 1.49% | 1.49% |
| 12 Months | $1,000 | 1.99% | 2.00% |
| 18 Months | $1,000 | 2.23% | 2.25% |
| 24 Months | $1,000 | 2.52% | 2.55% |
| 30 Months | $1,000 | 1.29% | 1.30% |
| 36 Months | $1,000 | 2.42% | 2.45% |
| 48 Months | $1,000 | 2.47% | 2.50% |
| 60 Months | $1,000 | 2.42% | 2.45% |
| Jumbo CD | $50,000 | Div is 110% of regular rate, min 5bp max 25bp added. Increased rate does not apply to CD Specials. |
| Service | Fee |
|---|---|
| Insufficient / Uncollected Funds | $30 |
| Check Photocopies | $1 |
| Stop Payment Order | $25 |
| Checking Account Balancing / Research Entry | $30 |
| Additional Research Per Hour | $20 |
| Courtesy Pay Fee (per item) | $34 |
| **Flaggship Plus 50 Checking Fee (monthly) | $4 |
| **Flaggship Plus Checking (monthly) | $6 |
| ATM Fee (per trans in excess of account type) | $1 |
| Redeposited Items | $15 |
| Re-Issue of ATM/Debit Card (lost card) | $7 |
| Rush Order ATM/Debit Card | $32 |
| Inactive Home Banking (no log-in for 90 days) (monthly) | $3 |
| Bill Payment Monthly (reg share draft ckg for bal <$500) | $6 |
| Non-CPFCU ATM Fee (excl Sum/Co-op) | $1 |
| Closed Account Fee | $5 |
| Dormant Account Maintenance/Quarter | $5 |
| Official CU/Teller check (3rd party payees) | $3 |
| Official CU/Teller check stop payment | $30 |
| Returned Mail/Change of address | $5 |
| Statement of Record Copy/Photocopy of CU Check | $5 |
| H.S.A. fee (waived under various circumstance)(monthly) | $5 |
| Overdraft Transfer (per item) | $5 |
| Mortgage loan subordination | $150 |
| IRA Account closing | $30 |
| Personal appearance Fee for legal matters | $175 |
| Real Estate Loan application fee | $395 |
| Lien/Warrant/Sheriff Fee | $50 |
| Wire Transfer - Incoming | $10 |
| Wire Transfer - Outgoing | $30 |
If you live, work, worship, or learn anywhere in New Haven County, we welcome you to call us or click here with questions on any CrossPoint home equity loan or line of credit, mortgage, personal loan, Visa credit card, used car loan, or new car loan program. CrossPoint Federal Credit Union is proud to serve New Haven, Waterbury, Wallingford, Meriden, Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, East Haven, Guilford, Hamden, Madison, Middlebury, Milford, Naugatuck, North Branford, North Haven, Northford, Orange, Oxford, Prospect, Seymour, Southbury, West Haven, Wolcott, Woodbridge.