Savings Rates

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Holiday Savings Club

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.

Regular Share (Savings)

MINIMUM OPENING BALANCE $5.00 $1,000.00 $5,000.00
MINIMUM BALANCE REQUIRED $5.00-$999.99 $1,000.00-$4,900.00 $5,000.00
MINIMUM BALANCE TO EARN STATED APY $5.00 $1,000.00 $5,000.00
DIVIDEND RATE .05% .10% .15%
ANNUAL PERCENTAGE YIELD (APY) .05% .10% .15%
DIVIDEND COMPOUNDED AND CREDITED Quarterly Quarterly 1Quarterly
DIVIDEND PERIOD 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 BALANCE $5,000-$24,999.99 $25,000-$49,999.99 $50,000
NOMINAL DIVIDEND RATE .10% .20% .30%
ANNUAL PERCENTAGE YIELD (APY) .10% .20% .30%
MINIMUM BALANCE $5,000.00 $25,000.00 $50,000.00
DIVIDEND CALCULATION .05% .10% .15%
DIVIDEND COMPOUNDED AND CREDITED Earned Daily Earned Daily Earned Daily
DIVIDEND POSTED Last Day of Month Last Day of Month Last Day of Month
PENALTY If closed prior to month end, dividend is forfeited.

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

Individual Retirement Accounts

(Traditional, Roth and Coverdell Education Savings Account)

DIVIDEND RATE .25%
ANNUAL PERCENTAGE YIELD (APY) .25%
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 $1,000.00 $25,000.00
MINIMUM BALANCE TO EARN STATED $1,000.00 $25,000.00
MINIMUM OPENING BALANCE $1,000.00 $25,000.00
DIVIDEND RATE 6 month... .25%
12 month... .35%
24 month... .45%
6 month... .30%
12 month... .40%
24 month... .50%
ANNUAL PERCENTAGE YIELD (APY) 6 month... .25%
12 month... .35%
24 month... .45%
6 month... .30%
12 month... .40%
24 month.. .50%
DIVIDEND COMPOUNDED AND CREDITED Monthly Monthly
DIVIDEND PERIOD 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)

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