Savings Rates

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Regular Share (Savings)

Regular Share (Savings)

DAILY BALANCE MINIMUM BALANCE REQUIRED MINIMUM BALANCE TO EARN STATED APY DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY) DIVIDEND COMPOUNDED AND CREDITED DIVIDEND PERIOD
$0.00 - $999.99 $0.00 $0.00 0.25% 0.25% Quarterly Quarterly
$1,000.00 - $4,999.99 $1,000.00 $1,000.00 0.25% 0.25% Quarterly Quarterly
$5,000.00 - $9,999.99 $5,000.00 $5,000.00 0.26% 0.26% Quarterly Quarterly
$10,000.00 - $24,999.99 $10,000.00 $10,000.00 0.27% 0.27% Quarterly Quarterly
$25,000.00 - $49,999.99 $25,000.00 $25,000.00 0.28% 0.28% Quarterly Quarterly
$50,000.00 - $99,999.99 $50,000.00 $50,000.00 0.29% 0.29% Quarterly Quarterly
$100,000.00 $100,000.00 $100,000.00 0.30% 0.30% Quarterly Quarterly

Fees could reduce the earnings on the account. Refer to our Truth in Savings disclosure for additional information.

Preferred Share Investment (PSI) and Money Market Accounts

PSI DAILY BALANCE MINIMUM BALANCE TO EARN STATED APY NOMINAL DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY) DIVIDEND COMPOUNDED AND CREDITED DIVIDEND POSTED
$0.00 - $4,999.99 $0.00 0.35% 0.35% Earned Daily Last Day of Month
$5,000.00 - $24,999.99 $5,000.00 0.35% 0.35% Earned Daily Last Day of Month
$25,000.00 - $49,999.99 $25,000.00 0.45% 0.45% Earned Daily Last Day of Month
$50,000.00 - $99,999.99 $50,000.00 0.55% 0.55% Earned Daily Last Day of Month
$100,000.00 $100,000.00 0.57% 0.57% Earned Daily Last Day of Month

If closed prior to month end, dividend is forfeited. Fees could reduce the earnings on the account.

ure" title="Truth in Savings disclosure">Truth in Savings disclosure for additional information.

 

Individual Retirement Accounts

Traditional, Roth Conversion and Roth Contribution Accounts
IRA DAILY BALANCE MINIMUM BALANCE TO EARN STATED APY NOMINAL DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY) DIVIDEND COMPOUNDED AND CREDITED DIVIDEND POSTED
$0.00 - $999.99 $50.00 0.25% 0.25% Quarterly Quarterly
$1,000.00 - $4,999.99 $1,000.00 0.25% 0.25% Quarterly Quarterly
$5,000.00 - $9,999.99 $5,000.00 0.26% 0.45% Quarterly Quarterly
$10,000.00 - $24,999.99 $10,000.00 0.27% 0.55% Quarterly Quarterly
$25,000.00 - $49,999.99 $25,000.00 0.28% 0.57% Quarterly Quarterly
$50,000.00 - $99,999.99 $50,000.00 0.29% 0.29% Quarterly Quarterly
$100,000.00 $100,000.00 0.30% 0.30% Quarterly Quarterly

Fees could reduce the earnings on the account. Refer to our Truth in Savings disclosure for additional information.

 

Coverdell Education Savings Account
DIVIDEND RATE .50%
ANNUAL PERCENTAGE YIELD (APY) .50%
MINIMUM OPENING BALANCE $50.00
MINIMUM BALANCE REQUIRED $50.00
MINIMUM BALANCE TO EARN STATED APY $50.00
DIVIDEND COMPOUNDED AND CREDITED Quarterly
DIVIDEND PERIOD Quarterly

Fees could reduce the earnings on the account. Refer to our Truth in Savings disclosure for additional information.

 

SEP IRA Employer Contributed Accounts
DIVIDEND RATE .35%
ANNUAL PERCENTAGE YIELD (APY) .35%
MINIMUM OPENING BALANCE $50.00
MINIMUM BALANCE REQUIRED $50.00
MINIMUM BALANCE TO EARN STATED APY $50.00
DIVIDEND COMPOUNDED AND CREDITED Quarterly
DIVIDEND PERIOD Quarterly

Fees could reduce the earnings on the account. Refer to our Truth in Savings disclosure for additional information.

Term Share Certificates and Individual Retirement Accounts Invested as Term Share Certificates

MINIMUM BALANCE REQUIRED $1 - $24,999 $25,000.00 - $99,999 $100,000.00
MINIMUM BALANCE TO EARN STATED $1 - $24,999 $25,000.00 - $99,999 $100,000.00
MINIMUM OPENING BALANCE $1,000.00 $25,000.00 - $99,999 $100,000.00
DIVIDEND RATE 6 month... .40%
9 month... 1.50%*
12 month... .50%
18 month... 2.50%*
24 month... .60%
6 month... .45%
 
12 month... .55%
 
24 month... .65%
6 month... ..45%
 
12 month... .55%
 
24 month... .65%
ANNUAL PERCENTAGE YIELD (APY) 6 month... .40%
9 month... 1.50%
12 month... .50%
18 month... 2.50%
24 month... .60%
6 month... .45%
 
12 month... .55%
 
24 month... .65%
6 month... ..45%
 
12 month... .55%
 
24 month... .65%
DIVIDEND COMPOUNDED AND CREDITED Monthly Monthly Monthly
DIVIDEND PERIOD Monthly Monthly Monthly

 

Additional deposits permitted ($500 minimum each deposit)

Bump up feature (one time option to increase the rate during the term to an equivalent SCCU term share certificate)

*9 and 18 month terms is only for "new money". Existing deposits at SCCU do not qualify for these terms/rates. Maximum deposit $50,000.

Fees could reduce the earnings on the account.

Holiday Savings Club

NOMINAL DIVIDEND RATE .50%
ANNUAL PERCENTAGE YIELD (APY) .50%
MINIMUM OPENING BALANCE $25.00
DIVIDEND CALCULATION Earned Daily
DIVIDEND POSTED Last Day of Month
PENALTY FOR CLOSING PRIOR TO NOVEMBER 1ST $10.00
ENROLLMENT PERIOD December 1st - February 28th
ADDITIONAL DEPOSITS REQUIRED BY PAYROLL DEDUCTION/AFT Minimum $20 monthly deposit required
MATURITY The 1st business day of November the balance will transfer to a designated account.
MAXIMUM DEPOSIT $5,000.00

Fees could reduce the earnings on the account. Refer to our Truth in Savings disclosure for additional information.