APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.pimafederal.org/rates
Read: 2026-10-22T16:24:16.000Z

Account Type | Min. Balance | APY*
Regular Savings | $5 | 0.03%
Holiday Savings | $0 | 0.03%
Special Savings | $0 | 0.03%
Youth Savings | $5 - $999.99 | 3.00%
Youth Savings | $1,000 and over | 0.03%
CareFREE Plus Checking | $0 - $1,000 | 2.50%
CareFREE Plus Checking | $1,000.01 and over | 0.25%
Min. Balance | APY*
$1,000 - $49,999.99 | 1.00%
$50,000 - $99,999.99 | 1.00%
$100,000 - $249,999.99 | 1.20%
$250,000- $499,999.99 | 3.00%
$500,000 and over | 4.00%
Min. Balance | APY*
$0.01 - $49,999.99 | 0.50%
$50,000 - $99,999.99 | 0.70%
$100,000 - $249,999.99 | 0.95%
$250,000 and over | 1.95%
Term Share Certificates - now up to 4.25% APY* !
Term | Min. Balance | APY* | Checking Relationship APY*
6 months | $250 | 3.50% | 3.75%
12 months | $250 | 3.50% | 3.75%
18 months | $250 | 4.00% | 4.25%
24 months | $250 | 4.00% | 4.25%
30 months | $250 | 3.75% | 4.00%
36 months | $250 | 3.75% | 4.00%
48 months | $250 | 3.75% | 4.00%
60 months | $250 | 3.75% | 4.00%
IRA Term Share Certificates - now up to 4.25% APY* !
Term | Min. Balance | APY* | Checking Relationship APY*
6 months | $250 | 3.50% | 3.75%
12 months | $250 | 3.50% | 3.75%
18 months | $250 | 4.00% | 4.25%
24 months | $250 | 4.00% | 4.25%
30 months | $250 | 3.75% | 4.00%
36 months | $250 | 3.75% | 4.00%
48 months | $250 | 3.75% | 4.00%
60 months | $250 | 3.75% | 4.00%
Min. Balance | APY
$1,000 - $49,999.99 | 0.95%
$50,000 - $99,999.99 | 1.75%
$100,000 - $249,999.99 | 1.95%
$250,000 - $499,999.99 | 3.00%
$500,000 and over | 4.00%
Min. Balance | APY
$1,000 - $49,999.99 | 3.00%
$50,000 - $99,999.99 | 3.00%
$100,000 - $249,999.99 | 3.00%
$250,000 - $499,999.99 | 3.00%
$500,000 and over | 4.00%
Term | Min. Balance | APY*
6 months | $250 | 3.25%
12 months | $250 | 3.50%
24 months | $250 | 3.25%
36 months | $250 | 2.75%
48 months | $250 | 2.75%
60 months | $250 | 2.75%
Loan Term | APR*
7 - 60 months as low as | 5.74%
61 - 84 months as low as | 5.99%
Loan Term | APR*
24 months as low as | 11.24%
36 months as low as | 11.74%
48 months as low as | 12.74%
60 months as low as | 13.49%
74 months as low as | 14.99%
84 months as low as | 16.49%
Loan Term | APR*
Revolving | 13.99%
Loan Term | APR*
up to 84 months as low as | 7.74%
85 - 144 months as low as | 8.24%
145 - 180 months as low as | 8.74%
Loan Term | APR*
7 - 60 months as low as | 7.74%
72 months as low as | 7.99%
Share Secured and Term Share Certificate secured up to 60 months, up to 100% of Pima Federal account/certificate balance. The Annual Percentage Rate is the current dividend rate plus 2.50%.
*APY= Annual Percentage Yield. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the credit union’s Board of Directors. The Annual Percentage Yield is based on an assumption that the dividends will be credited to the account monthly and will remain in the account. Rate Information: The Dividend Rate or Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
Term Share Certificate and IRA Term Share Certificate Accounts: The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. To earn the CareFREE Plus Checking relationship APY, you must have a Pima Federal CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits (excludes internal transfers and dividends). Otherwise, the rate is reduced by 0.25% APY. Regular Term Share Certificate and IRA Term Share Certificate Accounts require a minimum opening deposit of $250.00.
*APR = Annual Percentage Rate. Rates may change after the account is opened. APR includes a 0.25% automatic payment reduction. APR will increase by 0.25% if an automatic payment is not initiated.