What is Reg CC?

Per NCUA, Regulation CC (also known as Expedited Funds Availability) standardizes hold periods on deposits made to financial institutions and regulates the use of deposit holds. 

Changes to Regulation CC Funds Availability Rules

Effective July 1, 2025

The funds availability rules have been adjusted by the Federal Reserve Board for inflation, effective July 1, 2025. Members will experience the following changes:

• The minimum amount available on the next business day for certain deposits increased from $225 to $275.

• The cash withdrawal amount increased from $450 to $550.

• The new account next-day availability amount increased from $5,525 to $6,725.

• The civil liability amount increased from $1,100 to $1,350.

How this Change Affects You:

The changes include increasing the next-day availability amount on deposits from $225.00 to $275.00, and all instances of the $5,525.00 amount to $6,725.00. 

If you have any questions on these Regulation CC Rule changes, please contact us at 727-586-4422.