Savings Rates
Download Printable Savings Rates (Effective 10/7/25)
| Account Type | Interest Rate | APY* | Minimum Deposit** |
|---|---|---|---|
| Share Savings | 0.05% | 0.05% | $5.00 |
| All Purpose Club | 0.05% | 0.05% | $10.00 |
| Christmas Club | 0.05% | 0.05% | $10.00 |
| Money Market | 1.98% | 2.00% | ≥ $100,000.00 |
| Money Market | 1.49% | 1.50% | $50,000.00–$99,999.99 |
| Money Market | 1.24% | 1.25% | $10,000.00–$49,999.99 |
| Money Market | 1.00% | 1.00% | $2,500.00–$9,999.99 |
| Money Market | 0.75% | 0.75% | $10.00–$2,499.99 |
* APY = Annual Percentage Yield.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
Kasasa Accounts
A $5 minimum deposit is required to open an account.
| Account Type | Interest Rate | APY* | Minimum Balance to Obtain APY | |
|---|---|---|---|---|
| Kasasa Cash‡ | 2.00% | 2.00% | $0.01–$25,000.00 | Learn More |
| Kasasa Cash‡* | 0.250% | 0.600%–2.00% | ≥ $25,000.01 | Learn More |
| Kasasa Cash§ | 0.05% | 0.05% | $0.01 | Learn More |
| Kasasa Cash Back | 0.00% | 0.00% | $0.01 | Learn More |
| Kasasa Saver§† | 1.00% | 1.00% | $0.01–$25,000.00 | Learn More |
| Kasasa Saver§* | 0.250% | 0.4%–1.00% | ≥ $25,000.01 | Learn More |
| Kasasa Saver§‡ | 0.05% | 0.05% | $0.01 | Learn More |
* APY = Annual Percentage Yield.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
Term Certificates***
| Account Type | Interest Rate | APY* | Minimum Deposit to Open** |
|---|---|---|---|
| 6 Month†† | 1.00% | 1.00% | $500.00 |
| 8 Month | 3.87% | 3.95% | $500.00 |
| 12 Month | 1.49% | 1.50% | $500.00 |
| 15 Month | 3.78% | 3.85% | $500.00 |
| 18 Month | 1.59% | 1.60% | $500.00 |
| 24 Month | 1.98% | 2.00% | $500.00 |
| 36 Month | 2.96% | 3.00% | $500.00 |
| 48 Month | 2.96% | 3.00% | $500.00 |
| 60 Month | 2.96% | 3.00% | $500.00 |
* APY = Annual Percentage Yield.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
IRAs†
| Account Type | Interest Rate | APY* | Minimum Deposit to Open** |
|---|---|---|---|
| 6 Month†† | 1.00% | 1.00% | $500.00 |
| 8 Month | 3.87% | 3.95% | $500.00 |
| 12 Month | 1.49% | 1.50% | $500.00 |
| 15 Month | 3.78% | 3.85% | $500.00 |
| 18 Month | 1.59% | 1.60% | $500.00 |
| 24 Month | 1.98% | 2.00% | $500.00 |
| 36 Month | 2.96% | 3.00% | $500.00 |
| 48 Month | 2.96% | 3.00% | $500.00 |
| 60 Month | 2.96% | 3.00% | $500.00 |
* APY = Annual Percentage Yield.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
** Minimum Deposit refers to the minimum balance to obtain the APY.
*** Penalty for early withdrawal may be imposed.
† Fees may reduce earnings. Penalty for early withdrawal may be imposed.
†† Annual percentage yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
††† Fees may reduce earnings.
‡ Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY.
‡* Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§ APY earned in the event minimum qualification requirements are not met during the monthly qualification cycle.
§† Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY.
§* Minimum qualification requirements must be met on the associated Kasasa Cash or Kasasa Cash Back account during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000.00.
§‡ APY earned in the event minimum qualification requirements are not met on the associated Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle.
All rates are subject to change without notice. For variable rate accounts, your rate may change after the account is opened.
Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends (1) day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends (2) business days before statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
Equity Rates
Effective: 10/23/25
| Term | Rate | APR* | Estimated payment per $1000 |
|---|---|---|---|
| 5 Yrs | 6.000% | 6.047% | $19.34 |
| 10 Yrs | 6.250% | 6.275% | $11.23 |
| 15 Yrs | 6.500% | 6.518% | $8.72 |
| 20 Yrs | 6.750% | 6.764% | $7.61 |
*Annual Percentage Rate (APR): Rates are subject to credit approval and subject to change without notice. Rates reflected for second lien loans and applies to 1-4 family owner occupied properties. Payment per thousand does not include amounts for taxes and insurance. Your actual payment may be higher. Minimum loan amount is $10,000 with a maximum loan amount of $250,000. Maximum combined loan to value (CLTV) is 80% of the AVM or appraised value. Applicant to pay between $475-$600 for appraisal if needed. Closing fees between $0-$1500 may apply. Property and flood insurance (where applicable) are required. Membership to SCU requires a one-time dividend-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #: 616673.