Deposit Rates
See below, and scroll down to view our rates.
Savings / Checking / Investment Rates
Your deposits are insured up to $500,000. Click here to find out more.
Rates are effective as of July 1, 2024. Rates are subject to change at any time without notice.
Investment Accounts
Certificate of Deposit IRA & Regular | Term | Regular < $50k APR* | APY* | Jumbo > $50k APR* | APY* |
|---|---|---|---|
6 Months | 1.00% | 1.00% | 1.10% | 1.10% | |
Save to Win** | 1 Year | 2.00% | 2.01% | 2.20% | 2.22% |
2 Year | 3.00% | 3.04% | 3.20% | 3.25% | |
3 Year | 3.00% | 3.04% | 3.20% | 3.25% | |
4 Year | 3.00% | 3.04% | 3.20% | 3.25% | |
5 Year | 3.00% | 3.04% | 3.20% | 3.25% | |
Special 9-Month CD | 9 Months | N/A | 5.00% | 5.12% |
Minimum Opening Deposit | Regular < $50k APR* | APY* | Jumbo > $50k APR* | APY* | |
|---|---|---|---|
Traditional IRA Savings | $5.00 | 1.00% | 1.00% | 2.00% | 2.01% |
Roth IRA Savings | $5.00 | 1.00% | 1.00% | 2.00% | 2.01% |
Checking Accounts
Checking | Minimum Opening Deposit | APR* | APY* |
|---|---|---|
$2,000 and up | $50.00 | 0.10% | 0.10% |
Money Market Checking | Minimum Opening Deposit | APR* | APY* |
|---|---|---|
$2,000 – $9,999.99 | $2,000.00 | 1.00% | 1.00% |
$10,000.00 – $49,999.99 | $2,000.00 | 2.00% | 2.01% |
$50,000 and up | $2,000.00 | 3.00% | 3.04% |
Savings Accounts
Savings | Term | Minimum Opening Deposit | APR* | APY* |
|---|---|---|---|
$100.00 – $4,999.99 | $5.00 | 0.10% | 0.10% | |
$50,000 and up | $5.00 | 0.50% | 0.50% | |
Youth Savings | No Term | $5.00 | 0.50% | 0.50% |
Christmas Club Savings | No Term | $5.00 | 0.50% | 0.50% |
College Savings ($500 and up) | $5.00 | 0.50% | 0.50% |
*APR denotes Annual Percentage Rate, and APY denotes Annual Percentage Yield. The minimum balance required to open and earn dividends for certificates is $2,000 for Regular, $500 for IRA, and $25 for Save to Win. Regular and IRA certificates earn and pay dividends MONTHLY, and Save to Win earn and pay dividends ANNUALLY. Early withdrawal penalties may apply. Some dividends may roll over or be paid monthly to shares or checking, have it your way. Savings accounts pay dividends MONTHLY. A minimum of $2,000 is required to earn checking dividends. A Jumbo CD is $50,000+. All accounts are federally insured to at least $250,000 by NCUA, a government agency. With private insurance from Excess Share Insurance Corporation (ESI), we can now guarantee insurance protection for up to $500,000. Rates may change at any time. The early withdrawal penalty for certificates of deposit is the greater of $25.00, or 50% of the dividends that would have been earned on the amount withdrawn (over the remainder of the certificate’s term).
**For more information on Save to Win, click here.
***Special 9-Month CD: The maximum total deposit amount for a 9-month CD is $750,000 per member. After you open the CD, you may not make additional deposits to this Certificate Account. This offer is valid for a limited time only while quantities last. Ask a representative to see full CD disclosures. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. If not currently a Space City CU member, a $5 deposit is needed to establish membership. For the 9-Month Promotional Certificate, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month certificate (unless you elect another option at account opening).