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Home > Rates & Calculators > Deposit Rates

Deposit Rates

Certificates*
(Effective: October 5, 2017)
Program
Term
Minimum Daily Balance
to earn APY
APY
Min. Deposit
Certificates
6 months
$500.00
0.300%
$500.00
9 months
$500.00
0.300%
$500.00
12 months
$500.00
0.750%
$500.00
24 months
$500.00
1.100%
$500.00
36 months
$500.00
1.150%
$500.00
48 months
$500.00
1.350%
$500.00
60 months
$500.00
1.500%
$500.00
Jumbo Certificates
6 months
$100,000.00
0.400%
$100,000.00
9 months
$100,000.00
0.400%
$100,000.00
12 months
$100,000.00
0.850%
$100,000.00
24 months
$100,000.00
1.100%
$100,000.00
36 months
$100,000.00
1.250%
$100,000.00
48 months
$100,000.00
1.450%
$100,000.00
60 months
$100,000.00
1.600%
$100,000.00
*Annual Percentage Yield (APY)subject to change. • $500 minimum deposit to open account. • $100,000 minimum opening deposit to earn jumbo rate • Interest is compounded monthly and credited monthly or paid at maturity. • Interest is paid for each day funds remain on deposit. • A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts. • Request further information concerning any fees and terms applicable to the advertised accounts.


Deposit Rates**
(Effective: October 5, 2017)
Program
Minimum Daily Balance
to earn APY
APY
Min. Deposit
Regular Share Savings Account
$0.01
0.050%
$5.00
Acorn Savings
$0.01
0.050%
$1.00
Preferred Savings Account
($100 to open account)
$0.01
0.050%
$100.00
Christmas Club Account
$20.00
0.050%
$5.00
Vacation Club Account
$20.00
0.050%
$5.00
Money Market
$0.01
0.100%
$100.00
$2,500.00
0.150%
$100.00
$10,000.00
0.200%
$100.00
$20,000.00
0.250%
$100.00
$50,000.00
0.350%
$100.00
Business Investment Money Market
$0.01
0.150%
$100.00
$2,500.00
0.200%
$100.00
$10,000.00
0.250%
$100.00
$30,000.00
0.300%
$100.00
Interest Checking-2
$10.00
0.050%
$5.00
NOW Checking-1
$0.01
0.050%
$5.00
Cash Back Checking-3
$5.00
0.000%
$5.00
**Annual Percentage Yield (APY) subject to change. • Min. Deposit shown is the minimum amount required to open the account and may differ from the minimum balance required to earn APY. • Rates may change after account opening for variable rate accounts. • Interest is paid for each day funds remain on deposit. • Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings. 1- No Longer offered after 04/05/10. 2- When the Interest Checking Rewards requirements are met, you will earn $5.00 a month per account. To meet the Interest Checking Rewards Requirements, you must have twenty (20) St. Anne's Credit Union MasterMoney Card debit (point-of-sale or PIN-based) transactions posted to your account during a statement cycle. ATM withdrawals, deposits or account balance inquires using the MasterMoney Card are excluded from this program. Rewards Credit is subject to IRS reporting. 3- To be eligible for the CashBack Checking account, you must receive your monthly statement electronically (herein referred as "eStatement") and have a valid e-mail address. If you cancel your eStatement, the CashBack Checking account will automatically convert to the Interest Checking Account, where a monthly service charge may be assessed. Please refer to the SACU fee schedule for information about fees and charges associated with our accounts. When the CashBack Checking Rewards requirements are met, you will earn $5.00 a month per account. This will be deposited monthly by St. Anne's Credit Union into the CashBack Checking account. To meet the CashBack Checking Rewards Requirements, you must have twenty (20) St. Anne's Credit Union MasterMoney debit (point-of-sale or PIN-based) transactions posted to your account during a statement cycle. ATM withdrawals, deposits or account balance inquiries using the MasterMoney card are excluded from this program. Rewards Credit is subject to IRS reporting.


Individual Retirement Accounts (IRAs)***
(Effective: Wednesday, March 13, 2017)
Program
Term
Minimum Daily Balance
to earn APY
APY
Min. Deposit
Statement Saver IRA
($100 to open account This account is a variable rate account and therefore the rate is subject to change after account opening.)

$0.01
0.100%
$100.00
IRA Certificates
($500 to open account)
12 months
$500.00
0.750%
$500.00
24 months
$500.00
1.090%
$500.00
36 months
$500.00
1.150%
$500.00
48 months
$500.00
1.350%
$500.00
60 months
$500.00
1.500%
$500.00
IRA Jumbo Certificates
12 months
$100,000.00
0.850%
$100,000.00
24 months
$100,000.00
1.090%
$100,000.00
36 months
$100,000.00
1.250%
$100,000.00
48 months
$100,000.00
1.450%
$100,000.00
60 months
$100,000.00
1.600%
$100,000.00
***Annual Percentage Yield (APY) subject to change.• Interest is compounded monthly and credited monthly or paid at maturity for all other terms. Interest is paid for each day funds remain on deposit. • A substantial penalty is assessed on funds withdrawn prior to maturity on all IRA accounts. • Request further information concerning any fees and terms applicable to the advertised accounts. Annual Percentage Yield (APY)subject to change. • $500 minimum deposit to open account. • $100,000 minimum opening deposit to earn jumbo rate •