Rates

Rates are effective 5/1/17 and are subject to change.

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For Primary Share Accounts, you must have a minimum balance of $25 to earn the APY below.

Savings, Club, and Checking Accounts
Account Type Dividend Rate APY*
Regular Share Savings* 0.05% 0.05%
Holiday Club 0.05% 0.05%
Vacation Club 0.05% 0.05%
Summer Paycheck Account 0.05% 0.05%
Platinum Share Draft Checking 0.30% 0.30%
*$25 Minimum Balance for Regular Share Savings account
Money Market
Balance Dividend Rate APY*
$0 - $9,999.99 0.05% 0.05%
$10,000 - 24,999 0.05% 0.05%
$25,000 - 49,999 0.15% 0.15%
$50,000 & up 0.20% 0.20%
IRA (ESA, Roth and Traditional) Money Market
Balance Dividend Rate APY*
$0 - $9,999.99 0.10% 0.10%
$10,000 - 24,999 0.10% 0.10%
$25,000 - 49,999 0.20% 0.20%
$50,000 & up 0.25% 0.25%
Share Certificate
Term Dividend Rate APY*
3 Months 0.15% 0.15%
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
13 Months Bump Up** 0.45% 0.45%
18 Months 0.60% 0.60%
24 Months 1.00% 1.00%
36 Months 1.25% 1.25%
48 Months 1.65% 1.66%
60 Months 1.80% 1.81%
IRA (ESA, Roth and Traditional) Certificate
Term Dividend Rate APY*
3 Months 0.20% 0.20%
6 Months 0.25% 0.25%
12 Months 0.30% 0.30%
18 Months 0.65% 0.65%
24 Months 1.05% 1.06%
36 Months 1.30% 1.31%
48 Months 1.70% 1.71%
60 Months 1.85% 1.86%

*APY = Annual Percentage Yield. The dividend rate may change on the Share Savings and Holiday Club Accounts after the account is opened. The Minimum Deposit for Share and IRA Certificates is not required to earn the advertised APY. Dividends are compounded and credited monthly. Minimum opening deposit for Certificates is $500 if age 21 or under. A penalty will be imposed for early withdrawal. Fees may reduce the earnings on the account.

**One “bump-up” increase allowed during the original term of the share certificate, upon request, to match existing 13 Month Bump Up Share Certificate dividend rate then offered by SFCU. Rate increase must be requested by the account holder. The new rate will carry forward from the date of the increase until original scheduled maturity and will not be retroactive. Bump up offer is limited to the original term. No additional deposits accepted during the term of the share certificate. Rates subject to change and offer may be withdrawn at any time. The 13 Month Bump Up Certificate will convert to a regular 12 Month Certificate upon maturity.