Member Services
Savings Rates

Savings Accounts

Current as of October 1, 2022

Account Description	APR	APY*
Savings $100 -$1,000 - $1,001 - $3,000 - $3,001 - $5,000 - $5,001 - $10,000 - Over $10,000 -	0.07% 0.07% 0.07% 0.07% 0.07%	0.07% 0.07% 0.07% 0.07% 0.07%
Minimum of $25.00 in account maintains credit union membership. Dividends calculated by the daily balance method* and posted quarterly.
Share Draft ($1,000 min.)	0.01%	0.01%
Dividends calculated by daily balance method* and posted quarterly.
Christmas Club	0.01%	0.01%
Dividends calculated by daily balance method* and posted quarterly.
Vacation Account	0.01%	0.01%
Dividends calculated by daily balance method* and posted quarterly. Minimum $10. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Rainy Day Account	0.01%	0.01%
Dividends calculated by daily balance method* and posted quarterly. Minimum $25. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Money Market ($5,000 min.) $5,000 min. $10,000 min. $25,000 min. $50,000 min. $75,000 min. $100,000 min. $200,000 min. $300,000 min.	1.30% 1.40% 1.45% 1.55% 1.75% 1.80% 1.90% 2.00%	1.30% 1.40% 1.45% 1.55% 1.75% 1.80% 1.90% 2.00%
Dividends calculated by daily balance method* and posted monthly on the first day of the month. Variable rate account. Rate subject to change.

CDs & IRAs

Current as of March 7, 2023

Account Description	Term	APR	APY*
Share Certificate Deposit (Interest posted at maturity) $1,000 Minimum	6 mos. 12 mos. 24 mos. 36 mos. 48 mos. 60 mos.	3.15% 3.50% 3.85% 3.90% 4.00% 4.10%	3.15% 3.50% 3.85% 3.90% 4.00% 4.10%
Share Certificate Deposit (Interest posted quarterly) Over $50,000	6 mos. 12 mos. 24 mos. 36 mos. 48 mos. 60 mos.	3.20% 3.55% 3.90% 3.95% 4.05% 4.15%	3.20% 3.55% 3.90% 3.95% 4.05% 4.15%
Share Certificate Deposit/Birthday CD (Min. Age 55) $1,000 Minimum	12 mos.	Age plus 3.00%	Age plus 3.00%
Share Certificate Deposit/Promo! $1,000 Minimum, Dividends post at maturity	15 mos. 30 mos.	3.85% 4.35%	3.85% 4.35%
Share Certificate Deposit/Promo! New Money promotion (funds not currently on deposit at STCU)	15 mos. 30 mos.	4.00% 4.50%	4.00% 4.50%
IRA Accumulative Roth IRA Accumulative ESA (Coverdell) Accumulative	--	0.75% 0.75% 0.75%	0.75% 0.75% 0.75%
Dividends posted quarterly. Variable rate account. Rate subject to change.

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change.

*The daily balance method applies a daily periodic rate to the balance in the account each day.

Penalty for early withdrawals which could include loss of principle. Apply to account opened or renewed on/after April 30, 2019. Refer to your disclosure for more detailed information.

Member Services Savings Rates

Savings Accounts

CDs & IRAs

Member Services
Savings Rates