Savings, Money Market, Checking Rates

Revised January 1, 2012

Calculators
Certificate of Deposit Rates
Loan Rates

** APY is Annual Percentage Yield.


Regular Savings: Primary (S1) $10 minimum balance to open account.	Balance Range	Rate	** APY
	All balances	0.05%	0.05%

Youth Accounts Ages 0-15:	Balance Range	Rate	** APY
	All balances	0.05%	0.05%

Club Savings (S3, S5) No minimum balance to open account.	Balance Range	Rate	** APY
	All balances	0.05%	0.05%

Reward Checking (S4)	Balance Range	Rate	** APY
$100 to open; no minmum balance to maintain; no monthly service fees. A Premium Rate of dividends will be paid on the first $15,000 of your account balance, with a lesser Minimum Rate paid on the amount in excess of $15,000. Qualifications must be met to receive Premium Rate & ATM reimbursement. See full disclosure for details.	First $15,000	1.00%	1.01%
	Portion above $15,000	0.25%	0.25%
	Non- qualifying Base Rate	0.05% on entire balance	0.05% on entire balance
Reward Checking Requirements: Make a minimum of 12 posted and cleared SCFCU Debit Card purchases monthly. These are transactions that require signatures. ATM transactions do not qualify. (The monthly cycle begins the last day of the month and ends the second-to-last day of the following month. Example: October 31 through November 29.) At least one Direct Deposit or Automatic Withdrawal must be posted on your account during the monthly cycle dates. As an optional qualification, make at least one monthly payment using our free Online Bill Payer service. Enroll in our free e-Statement service. Regularly use our free Online Banking service. Maintain a current email address on record at the Credit Union. If your Reward Checking account does not meet the qualifications any given month, your account still earns a Base Rate, with no monthly service charge. However, ATM fees will not be refunded for that month. The variable interest rate and APY are subject to change at any time after the account is opened. There is a $100 minimum deposit required to open a checking account. After that, no minimum balance is required. Available as personal accounts only. All accounts receive full rewards during the first month they are open. Click here for additional details on Reward Checking.
Health Savings Account (S30) No opening fee, no minimum balance, no transaction fees.	Balance Range	Rate	** APY
No minimum balance to open account. Earn dividend on entire balance.	$0 to $2,499	0.25%	0.25%
	$2,500 to $9,999	0.25%	0.25%
	$10,000 & Higher	0.25%	0.25%
Money Market Insured Investment Account (S7) $2,000 minimum balance	Balance Range	Rate	** APY
	$2,000 to $9,999	0.10%	0.10%
	$10,000 to $24,999	0.20%	0.20%
	$25,000 to $49,999	0.25%	0.25%
	$50,000 to $99,999	0.25%	0.25%
	$100,000 to $124,999	0.25%	0.25%
	$125,000 & higher	0.25%	0.25%

IRA Insured Money Market Investment Account (Daily Deposits) No opening fee, no minimum balance, no transaction fees.	Balance Range	Rate	** APY
Traditional=S8 Roth=S80 Coverdell ESA=S82	$0 to $4,999	0.25%	0.25%
	$5,000 to $24,999	0.40%	0.40%
	$25,000 to $49,999	0.40%	0.40%
	$50,000 to $74,999	0.40%	0.40%
	$75,000 & higher	0.40%	0.40%

Business & Commercial Checking (S16, S18) $3,000 minimum balance	Balance Range	Rate	** APY
	$3,000 & higher	0.05%	0.05%

Prestige Checking (S10) and Dividend Checking (S9)	Balance Range	Rate	** APY
	All balances	0.05%	0.05%
Prestige Checking is for members age 60 and over. Two free boxes of checks are provided each year. To avoid a monthly service charge, maintain a combined monthly average balance of $10,000 or more in a combination of all deposit and loan accounts. If the average balance goes below $10,000 during a month, there is a $5.00 fee for that month. No annual fee. Dividend Checking - there is a $500 minimum balance required to avoid a monthly fee.

Regular Checking (S6)	No Dividends paid on this account.

** APY is Annual Percentage Yield. This rate schedule states rates which are applicable to specified accounts.
Dividends are credited to your account and compounded every month.
All savings rates are variable; this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
If maintenance or activity fees are charged on an account, these fees could reduce the earnings on the account.
Primary Savings (S1) requires a $25 minimum balance to open an account, and $100 minimum balance to earn a dividend.
Club Savings requires no minimum balance to open (Credit Union membership must previously have been established by opening a Primary Savings account), and $100 minimum balance to earn a dividend.
Dividend Checking requires a $500 minimum balance.
Money Market Insured Investment Account requires a $2,000 minimum balance.

For details about deposit share insurance on your accounts, please click here.

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© St. Cloud Federal Credit Union
(320) 252.2634 or 1.888.252.2634
3030 First Street South, St. Cloud MN 56301
1716 Pine Cone Road South, Sartell MN 56377