** All Crosspoint branches will close at 1pm Wednesday December 31 for New Years’ Eve. All Crosspoint branches will be closed Thursday January 1st in observance of New Years’ Day. **
*****Keep your accounts safe and secure during the upcoming Holiday Season! Crosspoint DOES NOT use texting as a means of gathering account information form members. Crosspoint will not contact you to collect personal information. If you receive a call claiming to be Crosspoint, hang up and contact our branches directly at 203-288-1695 or stop by in person during normal business hours. If you ever receive a text or email claiming to be from Crosspoint, delete it. *****
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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% |
| Ask Us About Our Specials! | Ask Us About Our Specials! | Ask Us About Our Specials! | Ask Us About Our Specials! |
| 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 | 0.40% | 0.40% |
| 6 Months | $1,000 | 0.60% | 0.60% |
| Special 7 Months* | $1,000 | 3.84% | 3.90% |
| 12 Months | $1,000 | 1.00% | 1.00% |
| Special 13 Months* | $1000 | 3.46% | 3.50% |
| 18 Months | $1,000 | 1.10% | 1.10% |
| 24 Months | $1,000 | 1.19% | 1.20% |
| 30 Months | $1,000 | 1.29% | 1.30% |
| Special 33 Months* | $1000 | 2.43% | 2.45% |
| 36 Months | $1,000 | 1.34% | 1.35% |
| 48 Months | $1,000 | 1.59% | 1.60% |
| 60 Months | $1,000 | 1.74% | 1.75% |
| 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.