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*
19 - Month Certificate** - $1,000 Minimum Balance 1.75%
  7 - Month Certificate* - $1,000 Minimum Balance 0.90%
17 - Month Certificate* - $1,000 Minimum Balance 1.25%
23 - Month Certificate* - $1,000 Minimum Balance 1.40%

 *APY = Annual Percentage Yield. Rates may change after the account is opened. A penalty may be imposed for early withdrawals.

**Specific Terms Applicable to Your Promotional 19- month Certificate

*APY=Annual Percentage Yield. This APY is correct as of 07/2022. To be eligible to open the Promotional 19-Month Certificate, a member must either have an active Choice Plus or Choice Checking Account OR bring new money to deposit into Service One Credit Union. New money is described as funds not previously held on deposit at Service One Credit Union within the last 30 daysThe 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 19-month promotional term and 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 If funds are withdrawn before maturity, a penalty of 90 days’ interest will be imposed.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.

*Specific Terms Applicable to Your Promotional 7- month, 17-Month, or 23-Month Certificate
Minimum Balance Requirements. The minimum balance 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. 
Maturity Date. Your Account will mature after 7-months, 17-months, or 23-months. 
Early Withdrawal Provisions. If funds are withdrawn before maturity, a penalty of 90 days’ interest will be imposed.   
Renewal Policies. Your Account will renew automatically at maturity and You will have a grace period of seven calendar days following the Maturity Date to make deposits and/or withdrawals without penalty.  Your 7-Month, 17-Month, or 23-Month certificate will automatically renew into a 12-Month High Yield certificate if you take no action at maturity. 
Transaction Limitations. Except for Add-On Certificate Accounts, once Your Account is established You may not make deposits into Your Account. For all Accounts, once Your Account is established You may not make withdrawals from Your Account.  Your Account can be redeemed early subject to Early Withdrawal Provisions. 

This addendum modifies the provided Account Disclosure Rate Supplement and is incorporated into, becomes a part of, and should be attached to Your Agreements and Disclosures. 

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days and were accurate as of the effective date shown herein.    

High Yield Certificate and IRA Certificate Accounts
InvestmentAPY*
3 months, $500 minimum 0.16%
6 months, $500 minimum 0.21%
12 Months, $500 minimum 0.36%
18 Months, $500 minimum 0.46%
24 Months, $500 minimum 0.51%
30 Months, $500 minimum 0.56%
36 Months, $500 minimum 0.66%
48 Months, $500 minimum 0.71%
60 Months, $500 minimum 0.76%
*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 0.21%

Accounts

Tiered Dividend rates on Choice and Choice Plus accounts.

Choice Plus
InvestmentAPY*
Choice Plus
0 to $24,999.99 0.50%
$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 0.10%
$25,000.00 to $99,999.99 0.25%
$100,000.00 to $249,999.99 0.40%
$250,000.00 and greater 0.65%
*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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