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IRA written on a golden egg

Personal Deposit Rates

Rates effective January 28, 2020

Savings
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Account Opening Balance Minimum Balance** Interest Rate APY*
Regular Savings $5 $100 0.04% 0.04%
Money Market $2,500 - $9,999 $2,500 0.05% 0.05%
Money Market $10,000 - $24,999 $10,000 0.10% 0.10%
Money Market $25,000 and over $25,000 0.15% 0.15%

Dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Savings and Money Market Savings the prospective Dividend Rate and prospective Annual Percentage Yield are set forth above. The Dividend Rate and APY on Savings Accounts may change monthly as determined by the Board of Directors. The Dividend Rate and APY on Money Market Savings may change daily.

* APY = Annual Percentage Yield.

** Minimum balance required to earn stated APY.

Share Certificates

Rates are subject to change.

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Term Opening Balance Interest Rate APY*
7 Months $500 0.90% 0.90%
9 Months $500 1.50% 1.51%
13 Months $500 1.75% 1.77%
15 Months $500 2.00% 2.02%


* APY = Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. Minimum deposit is $500. Maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership required. Rates subject to change. Federally insured by NCUA.

 

Individual Retirement Accounts

New IRAs are not being opened at this time, rates posted are for renewals only.

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Term Opening Balance Interest Rate APY*
6 Months $100 0.02% 0.02%
12 Months $100 0.02% 0.02%
18 Months $100 0.02% 0.02%
24 Months $100 0.02% 0.02%
48 Months $1,000 0.02% 0.02%
60 Months $1,000 0.02% 0.02%

There is an early withdrawal penalty on IRA accounts.

The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fee's, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account.

* APY = Annual Percentage Yield.