Certificates

NOTE: For all certificates, early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. For more information, please visit our Agreements and Disclosures.

Promotional
InvestmentAPY*
14-Month Certificate* 4.00%

*Specific Terms Applicable to Your Promotional 14-Month Certificate

*APY=Annual Percentage Yield. This APY is correct as of 8/2022. Minimum Balance Requirement to open this account is $1,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed annual percentage yield and to keep your account open. Your account will mature at the end of the promotional term you selected, will automatically renew into a 12-Month High Yield certificate at the rate offered at maturity if you take no action, and you will have a grace period of seven calendar days following the Maturity Date to make deposits and/or withdrawals without penalty. If funds are withdrawn before maturity, a penalty of 90 days interest will be imposed. Except for Add-On Certificate Accounts, once your account is established you may not make deposits into your account.

High Yield Certificate and IRA Certificate Accounts
InvestmentAPY*
3 months, $500 minimum 2.00%
6 months, $500 minimum 2.00%
12 Months, $500 minimum 2.15%
18 Months, $500 minimum 2.25%
24 Months, $500 minimum 2.25%
30 Months, $500 minimum 2.25%
36 Months, $500 minimum 1.50%
48 Months, $500 minimum 1.75%
60 Months, $500 minimum 2.00%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

IRA Traditional, Roth, and Coverdell Education Savings
InvestmentAPY*
0 to $9,999.99 0.15%
$10,000 to $49,999.99 0.20%
$50,000 to $98,999.99 0.25%
$99,000 and greater 0.30%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Add-On Certificate
InvestmentAPY*
Add-On 2.00%

Accounts

Tiered Dividend rates on Choice and Choice Plus accounts.

Choice Plus
InvestmentAPY*
Choice Plus
0 to $24,999.99 1.00%
$25,000 and greater 0.10%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Choice
InvestmentAPY*
Choice
All 0.10%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Money Market

Money Market
InvestmentAPY*
$2,500.00 to $24,999.99 0.50%
$25,000.00 to $99,999.99 0.75%
$100,000.00 to $249,999.99 1.00%
$250,000.00 and greater 1.25%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Savings

Member Savings
InvestmentAPY*
Member Savings
$25.01 and up 0.11%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Young Savers Accounts
InvestmentAPY*
($25 minimum to earn the stated APY)
$25.01 and greater 0.11%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Holiday Club
InvestmentAPY*
Holiday Club
No minimum balance to open 0.05%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Business

Earning dividends with daily balances over $500

Savings
InvestmentAPY*
All 0.11%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

Checking
InvestmentAPY*
$1,000.00 to $2,499.99 0.07%
$2,500.00 to $14,999.99 0.07%
$15,000.00 to $24,999.99 0.14%
$25,000.00 to $49,999.99 0.14%
$50,000.00 to $74,999.99 0.21%
$75,00000 to $99,999.99 0.21%
$100,000.00 to $ 199,999.99 0.28%
$200,000.00 to $249,999.99 0.28%
$250,000.00 and greater 0.35%

*Product offers, rates, terms, and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Service One Credit Union cannot guarantee the completeness or accuracy of the information provided herein. To verify current offers and rates, please call any Service One Credit Union location.

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