Best Savings Rates
| Description | APY* | Minimum Balance to Open¹ |
|---|---|---|
|
Membership Savings |
0.10% |
$5.00 |
|
Fill in the Blank Savings |
0.10% |
$0 |
|
Christmas Club Savings |
0.20% |
$0 |
|
Passbook IRA |
0.50% |
$0 |
*APY= ANNUAL PERCENTAGE YIELD. Fees and other conditions may reduce earnings on the account. The rate may change after account opening without notice. APY is accurate as of the last dividend declaration date. ¹Minimum balance required to earn APY is $5.00.
| Minimum Balance-Maximum Balance | Dividend Rate | APY* |
|---|---|---|
|
$0-$9,999.99 |
0.50% |
0.50% |
|
$10,000-$24,999.99 |
1.00% |
1.00% |
|
$25,000-$49,999.99 |
1.00% |
1.00% |
|
$50,000-$99,999.99 |
1.74% |
1.75% |
|
$100,000-$249,999.99 |
2.47% |
2.50% |
|
$250,000+ |
2.95% |
3.00% |
*APY = Annual Percentage Yield $2,500.00 minimum opening requirement. If the balance falls below the $2,500.00 minimum balance requirement, a $10.00 monthly maintenance fee will be imposed. The minimum balance to earn 0.50% is $0. The minimum balance to earn 1.00% is $10,000. The minimum balance to earn 1.75% is $50,000. The minimum balance to earn 2.50% is $100,000. The minimum balance to earn 3.00% is $250,000. Membership eligibility required. Rates may change at anytime after account opening. APY is accurate as of last dividend declaration date. Fees may reduce earnings on the account.
| Minimum Balance | $500.00 - $99,999.99 | $500.00 - $99,999.99 | $100,000 and up | $100,000 and up |
|---|---|---|---|---|
|
Term |
Dividend Rate |
APY* |
Dividend Rate |
APY |
|
3 months |
0.30% |
0.30% |
0.30% |
0.30% |
|
6 months |
3.20% |
3.25% |
3.20% |
3.25% |
|
1 year |
2.96% |
3.00% |
2.96% |
3.00% |
|
13 month PROMO Raise Your Rate** |
4.07% |
4.15% |
4.07% |
4.15% |
|
18 month |
2.47% |
2.50% |
2.47% |
2.50% |
|
23 month PROMO Raise Your Rate** |
4.07% |
4.15% |
4.07% |
4.15% |
|
24 month |
2.47% |
2.50% |
2.47% |
2.50% |
|
30 months |
2.47% |
2.50% |
2.47% |
2.50% |
|
3 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
4 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
5 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
7 year |
1.99% |
2.00% |
1.99% |
2.00% |
*APY = Annual Percentage Yield **Membership eligibility is required. All loans are subject to credit approval. The promotional Annual Percentage Yield (APY) is effective as of 08/01/2025 and may change at any time without prior notice. Minimum deposit to open is $500. Fees may reduce earnings. Early withdrawal may result in penalties. This offer applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term. The timing of this rate increase must be requested by the member and is based on the rate of another share certificate currently offered by Superior Choice Credit Union at that time. Funds used to open the certificate may come from either existing accounts at Superior Choice Credit Union or from external sources. For complete details on applicable fees and terms, please speak with a credit union representative. Additional restrictions may apply. Promotion subject to change or end at any time Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice.
| Term | Minimum Balance | Maximum Balance | APY* |
|---|---|---|---|
|
1 Year |
$100 |
$6,000 |
3.00% |
*APY = Annual Percentage Yield Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice. Rates effective as of 1.31.22
| Minimum Balance-Maximum Balance | Dividend Rate | APY¹ |
|---|---|---|
|
$0.00-$99.99 |
0.25% |
0.25% |
|
$100.00-$2,499.99 |
0.25% |
0.25% |
|
$2,500.00-$9,999.99 |
0.25% |
0.25% |
|
$10,000.00-$24,999.99 |
0.25% |
0.25% |
|
$25,000.00 and over |
0.25% |
0.25% |
¹APY=Annual Percentage Yield. The rate may change after account opening without notice. HSA rates effective as of 10/01/2021.
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