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Home > Rates & Calculators > Deposit Rates

Deposit Rates

31 MONTH CD/IRA SPECIAL*
(Effective: August 31, 2018)
Program
Term
APY
Min. Deposit
31 MONTH CD/IRA SPECIAL
31 months
3.100%
$2,500.00
*Offer good for the initial 31-month term only. Members must open a personal $5 membership account. $2,500 minimum deposit required to open account and obtain Annual Percentage Yield (APY). Fees may reduce earnings. Advertised APY is offered at the credit union’s discretion. APY is available 8/31/18 and subject to change. At end of term or if balance falls below minimum, CD balance automatically changes to a 36-month CD and will follow the 36-month CD disclosure. An early withdrawal penalty may apply.


Certificates**
(Effective: April 1, 2018)
Program
Term
Minimum Daily Balance
to earn APY
APY
Min. Deposit
Certificates
3 months
$500.00
0.200%
$500.00
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
1.250%
$500.00
48 months
$500.00
1.500%
$500.00
60 months
$500.00
1.650%
$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
1.200%
$100,000.00
36 months
$100,000.00
1.350%
$100,000.00
48 months
$100,000.00
1.600%
$100,000.00
60 months
$100,000.00
1.750%
$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 • A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts.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: November 1, 2018)
Program
Minimum Daily Balance
to earn APY
APY
Min. Deposit
Regular Share Savings Account
$0.01
0.150%
$5.00
Acorn Savings
$0.01
0.150%
$1.00
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
Basic Checking
$0.00
0.000%
$5.00
NOW Checking-1
$0.01
0.050%
$5.00
Interest Checking-2
$20.00
0.050%
$5.00
Cash Back Checking-3
$0.00
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 Basic Checking Account. 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: November 1, 2018)
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
0.150%
$100.00
IRA Certificates
($500 to open account)
3 months
$500.00
0.200%
$500.00
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
1.250%
$500.00
48 months
$500.00
1.500%
$500.00
60 months
$500.00
1.650%
$500.00
IRA 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
1.200%
$100,000.00
36 months
$100,000.00
1.350%
$100,000.00
48 months
$100,000.00
1.600%
$100,000.00
60 months
$100,000.00
1.750%
$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 •


MONEY MARKET SPECIAL*****
(Effective: November 1, 2018)
Program
Minimum Daily Balance
to earn APY
APY
Min. Deposit
MONEY MARKET SPECIAL
$25,000.00
1.550%
$25,000.00
*****Annual Percentage Yield (APY) as of 11/01/18 and subject to change at any time after account opening. Available to new and existing members for balances deposited between $25,000 and $2,499,999. A minimum of $25,000 opening amount and minimum daily balance to obtain APY and not currently on deposit at St. Anne’s Credit Union. St. Anne’s Credit Union Membership $5 account required. Initial basic checks are included at no cost. No monthly service charges. During any statement period, limited to six withdrawals or transfers to another credit union account or to a third party by means of a pre-authorized or automatic telephone order or instruction made by check, draft, debit card or similar order to a third party. Excessive account activity during the statement period may result in a fee or closure. Fees may reduce earnings.