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Toll FREE: 1-800-642-7328

Savings Rates

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Variable Rate Savings Accounts


Rates and APYs are effective as of 7/18/2022
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Account Minimum Balance to Open Average Daily Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Savings
Par Value of Share For membership
$5.00 $118 0.05% 0.05%
$500 0.05% 0.05%
$5,000 0.05% 0.05%
Escrow
(sfcu mortgages)
None $118 0.05% 0.05%
Club None $118 0.05% 0.05%
Money Management $2,500 $2,500 0.07% 0.07%
$5.000 0.10% 0.10%
$10,000 0.15% 0.15%
Checking None None 0.00% 0.00%
Consumer Dividend Checking $2,500 $2,500 0.10% 0.10%
Basic Business Checking None None 0.00% 0.00%
Business Dividend Checking $5,000 $5,000 0.25% 0.25%
Community Checking None None 0.00% 0.00%
Business Non-Dividend Escrow Account None 0.00% 0.00%

Basic Business Checking has a $5.00 monthly fee if the average daily balance falls below $500

Basic Business Checking & Business Dividend Checking allow for unlimited account transactions with no fees

Community Checking Account is for Not-for-Profit Corporations, Organizations, and Associations. There are no minimum or average daily balance requirements associated with this product.

Regular Certificates


Rates and APYs are effective as of 7/18/22
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Certificate Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 32 Month * 
(Special) 
$500 3.16% 3.21%
32 Month *
(Special) 
$200,000 3.41% 3.46%
91 Day $500
$100,000 + over
0.70%
0.95%
0.70%
0.95%
6 Month $500
$100,000 + over
0.75%
1.00%
0.75%
1.00%
9 Month $500
$100,000 + over
0.80%
1.05%
0.80%
1.06%
12 Month $500
$100,000 + over
1.00%
1.25%
1.00%
1.26%
18 Month $500
$100,000 + over
1.05%
1.30%
1.06%
1.31%
24 Month $500
$100,000 + over
1.15%
1.40%
1.16%
1.41%
30 Month $500
$100,000 + over
1.20%
1.45%
1.21%
1.46%
36 Month $500
$100,000 + over
1.30%
1.55%
1.31%
1.56%
48 Month $500
$100,000 + over
1.35%
1.60%
1.36%
1.61%
60 Month $500
$100,000 + over
1.45%
1.70%
1.46%
1.71%
Variable Rate 12 Month $10,000 1.00% 1.00%
24 Month $10,000 1.15% 1.16%
36 Month $10,000 1.30% 1.31%

Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 months will allow for 1 change and the 24 or 36 months will allow for 2 changes. APY assumes dividends will remain on deposit until maturity.

Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal. Membership eligibility required.

Certificates are subject to the following dividend penalties:

 - Terms of 12 months and less are subject to a 30-day penalty of dividends.

 - Terms of 18 – 24 months are subject to a 90-day penalty of dividends.

 - Terms of 30 – 60 months are subject to a 180-day penalty of dividends.

 

*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.

Traditional and Roth IRA Certificates


Rates and APYs are effective as of 7/18/22
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Account or Certificate Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 32 Month **
(Special)
$500 3.16% 3.21%
32 Month **
(Special)
$200,000 3.41% 3.46%
Savings* $118 0.05% 0.05%
91 Day $1,000 0.70% 0.70%
6 Month $1,000 0.75% 0.75%
9 Month $1,000 0.80% 0.80%
12 Month $500 1.00% 1.00%
18 Month $500 1.05% 1.06%
24 Month $500 1.15% 1.16%
30 Month $500 1.20% 1.21%
36 Month $500 1.30% 1.31%
48 Month $500 1.35% 1.36%
60 Month $500 1.45% 1.46%

Payroll Deduction available on IRA Savings/No setup fee or maintenance fees. We accept Rollovers, Direct Rollovers from Qualified Retirement Plans, and Direct Transfer Contributions.

There will be no dividend penalty on IRA Certificates if the IRA owner is 59 1/2 years of age or older.

* There are no dividend penalties on the IRA Savings Account.

**APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.

Coverdell Education Savings Account


Rates and APYs are effective as of 7/18/22
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Account or Certificate Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 32 Month * (Special)  $500 3.16% 3.21%
       
Savings* $118 0.05% 0.05%
91 Day $500 0.70% 0.70%
6 Month $500 0.75% 0.75%
9 Month $500 0.80% 0.80%
12 Month $500 1.00% 1.00%
18 Month $500 1.05% 1.06%
24 Month $500 1.15% 1.16%
30 Month $500 1.20% 1.21%
36 Month $500 1.30% 1.31%
48 Month $500 1.35% 1.36%
60 Month $500 1.45% 1.46%

* There are no dividend penalties on the Coverdell ESA Savings Account

*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.

Variable Rate Health Savings Account


Rates and APYs are effective as of 1/17/2020
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Account Minimum Balance to Open Average Daily Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Checking $5 $100 0.10% 0.10%
$500 0.30% 0.30%
$5,000 0.50% 0.50%

Health Savings Account Certificates


Rates and APYs are effective as of 7/18/22
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.

Type of Certificate Certificate Term Minimum Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 32 Month* (Specia)  $500 3.16% 3.21%
       
12 Months $500 1.00% 1.00%
24 Months $500 1.15% 1.16%
36 Months $500 1.30% 1.31%
48 Months $500 1.35% 1.36%
60 Months $500 1.45% 1.46%

APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal. Membership eligibility required.

Certificates are subject to the following dividend penalties:

 - Terms of 12 months and less are subject to a 30-day penalty of dividends.
 - Terms of 18 – 24 months are subject to a 90-day penalty of dividends.
 - Terms of 30 – 60 months are subject to a 180-day penalty of dividends.

*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.

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Phone: 877 642-7328

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Local: 607-561-7328, 607-432-1451

Toll Free: 1-800-642-7328

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