Investment Rates


All investment rates are subject to change without notice. Contact a branch location to confirm current rates. Fees may reduce earnings on an account. Possible penalty for early withdrawals. See related Account Agreement and Fee Schedule for details. Rates effective 7/23/2019.

Member Savings And Top-of-the-Class Savings Accounts
$500 minimum to earn the stated APY. Top-of-the-Class must meet requirements.
InvestmentAPY*
$25.01 and up 0.28%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Young Savers Accounts
($25 minimum to earn the stated APY.)
InvestmentAPY*
$25.01 and up 0.28%
*APY = Annual Percentage Yield. Rates may change after account is opened.

E.A.S.Y. Checking Accounts
$1,000 minimum to open. Pay no monthly maintenance fee by keeping a minimum balance of just $1,000 in your E.A.S.Y. account, otherwise the Monthly Checking Maintenance Fee applies.
InvestmentAPY*
$1,000 $2,499 0.35%
$2,500 $14,999 0.45%
$15,000 $24,999 0.55%
$25,000 $49,999 0.65%
$50,000 $74,999 0.75%
$75,000 $99,999 0.80%
$100,000 $199,999 0.95%
$200,000 $249,999 1.00%
$250,000 and up 1.05%
*APY = Annual Percentage Yield. Rates may change after account is opened. Minimum balance to open a Checking Account with no monthly service fee and earn dividends is $1,000. Rate is subject to the balance tier and subject to change. Product offering may be withdrawn at any time.

Holiday Club and Special Savings
InvestmentAPY*
No minimum balance to open 0.05%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Certificates

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

High Yield Certificate Accounts
InvestmentAPY*
Six-months, $500 minimum 1.38%
12 Months, $500 minimum 1.48%
18 Months, $500 minimum 1.38%
24 Months, $500 minimum 1.58%
30 Months, $500 minimum 1.48%
36 Months, $500 minimum 1.48%
48 Months, $500 minimum 2.18%
60 Months, $500 minimum 2.28%
*APY = Annual Percentage Yield. Rates may change after account is opened. A penalty may be imposed for early withdrawals.

High Yield Top-of-the-Class Certificate Accounts
Top-of-the-Class must meet requirements.
InvestmentAPY*
Six-months, $500 minimum 1.48%
12 Months, $500 minimum 1.58%
18 Months, $500 minimum 1.48%
24 Months, $500 minimum 1.68%
30 Months, $500 minimum 1.58%
36 Months, $500 minimum 1.58%
48 Months, $500 minimum 2.28%
60 Months, $500 minimum 2.38%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Add-on Certificates
InvestmentAPY*
$25 minimum balance to open 1.38%
*APY = Annual Percentage Yield. Rates may change after account is opened.

IRA Traditional. Roth, and Coverdell Education Savings
InvestmentAPY*
0 to $9,999.99 0.75%
$10,000 to $49,999.99 0.85%
$50,000 to $98,999.99 1.10%
$99,000 and over 1.35%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Promotional Certificates
InvestmentAPY*
11-Month Certificate 1.88%
*APY = Annual Percentage Yield. Rates may change after account is opened.

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site 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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