Investments
INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)
Endurance Federal Credit Union offers IRA accounts including the traditional, Roth and Education. Terms range from 3 months to 48 months. Share accounts and share certificates are available. For more details and current rates call one of our retirement account specialist at 1-800-368-2618.
Penalties may apply for early withdrawal.
CERTIFICATES
Share certificates are for a fixed amount of time earning a higher rate of return than a regular savings account. Terms are available from 3 months to 48 months with a minimum opening balance of $500.00. Dividend options include: monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. For current rates contact us at 1-800-368-2618.
Penalties may apply for early withdrawal.
CUE Financial Investment Services
At CUE Financial of Oklahoma, we believe financial planning is about more than numbers - it’s about creating peace of mind and empowering your goals. Whether you’re preparing for retirement, managing investments or securing your family’s future, our team is here to guide you every step of the way. Contact our partner, Brian Cavanaugh, for more information. You can email him at bcavanaugh@osaicwealth.com or give him a call at 405-879-5684.
*Securities Services offered through Osaic Wealth, Inc. Member FINRA/SIPC. Insurance offered through CUE Financial of Oklahoma which is not affiliated with Osaic Wealth. Not NCUA Insured - No Credit Union Guarantee - May Lose Value.
Rates effective as of: January 21, 2026 - January 27, 2026
All Dividend Rates are declared by the board of directors of the
Endurance Federal Credit Union and are subject to change at any time.
Term Share Accounts (Certificates) / iras
| IRAS | $500 min | $10,000 min | $25,000 min | $99,000 min |
|---|---|---|---|---|
| 3 mo / 30 days*** | Rate* 2.62% APY** 2.65% |
Rate* 2.72% APY** 2.75% |
Rate* 2.76% APY** 2.80% |
Rate* 2.81% APY** 2.85% |
| 6 mo / 60 days*** | Rate* 3.35% APY** 3.40% |
Rate* 3.45% APY** 3.50% |
Rate* 3.49% APY** 3.55% |
Rate* 3.54% APY** 3.60% |
| 12 mo / 90 days*** | Rate* 3.35% APY** 3.40% |
Rate* 3.45% APY** 3.50% |
Rate* 3.49% APY** 3.55% |
Rate* 3.54% APY** 3.60% |
| 18 mo / 120 days*** | Rate* 3.45% APY** 3.50% |
Rate* 3.54% APY** 3.60% |
Rate* 3.59% APY** 3.65% |
Rate* 3.64% APY** 3.70% |
| 24 mo / 180 days*** | Rate* 3.64% APY** 3.70% |
Rate* 3.74% APY** 3.80% |
Rate* 3.78% APY** 3.85% |
Rate* 3.83% APY** 3.90% |
| 30 mo / 180 days*** | Rate* 3.69% APY** 3.75% |
Rate* 3.74% APY** 3.80% |
Rate* 3.78% APY** 3.85% |
Rate* 3.83% APY** 3.90% |
| 36 mo / 180 days*** | Rate* 3.74% APY** 3.80% |
Rate* 3.83% APY** 3.90% |
Rate* 3.88% APY** 3.95% |
Rate* 3.93% APY** 4.00% |
| 48 mo / 180 days*** | Rate* 3.83% APY** 3.90% |
Rate* 3.93% APY** 4.00% |
Rate* 3.98% APY** 4.05% |
Rate* 4.02% APY** 4.10% |
*Dividend Rate ** APY = Annual Percentage Yield ***Penalties may apply for early withdrawal.
Share Accounts
| Minimum Balance | Dividend Rate | APY** |
|---|---|---|
| $25 | .15% | .15% |
| $5 (18 and Under) | .15% | .15% |
Membership share required. The Dividend Rate is determined at the end of each quarter. Dividend Rate disclosed is for January - March 2026.
Money Market Account
| Minimum Balance | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $9,999 | 2.52% | 2.55% |
| $10,000 - $24,999 | 2.72% | 2.75% |
| $25,000 - $49,999 | 2.81% | 2.85% |
| $50,000+ | 2.96% | 3.00% |
The Dividend Rate is determined at the end of each quarter. Dividend Rate disclosed is for January - March 2026. For additional Money Market account information click here.
IRA Share Account
| Minimum Balance | Dividend Rate | APY** |
|---|---|---|
| $0 | .85% | .85% |
The Dividend Rate is determined at the end of each quarter. Dividend Rate disclosed is for January - March 2026.
Christmas Club Account
| Minimum Balance | Dividend Rate | APY** |
|---|---|---|
| $0 | .70% | .70% |
The Dividend Rate is determined at the end of each quarter. Dividend Rate disclosed is for January - March 2026.
Premium Cash Checking Account
| Minimum Balance | Dividend Rate | APY** |
|---|---|---|
| $0 - $20,000 (Qualified) | 3.93% | 4.00% |
| $20,000+ (Qualified) | 0.35% | 0.35% |
| Did Not Qualify | 0.05% | 0.05% |
The Dividend Rate is determined at the end of each quarter. For the upcoming quarter of January - March 2026. Balances over $20,000 result in a 4.00%-0.96% APY depending on the balance.
Members may contact an employee for further information about applicable fees and terms or click here for more information.
Fees could reduce the earnings on the account.