​DIVIDEND

RATES & TERMS

Rates quoted are effective as of 1/29/2023 and are subject to change without notice. The Annual Percentage Yield (APY) on non-certificate shares is accurate as of the last dividend declaration date.

Please see SchoolsFirst FCU's Statement of Fees and Disclosure & Agreement of Terms and Conditions brochure for specific details about any account, or Account Disclosure for Share Certificates, Individual Retirement Accounts and Deferred Compensation Plans brochure for specific details on those products.

For more information, visit our website at www.schoolsfirstfcu.org or call 800.462.8328.

Checking & Savings1

Variable rate accounts, subject to change after account opening.

Minimum BalanceDividend RateAnnual Percentage Yield (APY)
Share Savings$5.000.10%0.10%

Liquid Advantage Money Market

Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.

$2,000.00 - $9,999.990.55%0.55%
$10,000.00 - $99,999.990.75%0.75%
$100,000.00+0.95%0.95%

Investment Checking

Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.

$0.00 - $24,999.990.05%0.05%
$25,000.00 - $100,000.00+0.10%0.10%
Checking & Savings Rates
Accounts
Share Savings
Minimum BalanceDividend RateAnnual Percentage Yield (APY)
$5.000.10%0.10%

Liquid Advantage Money Market

Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.

Minimum BalanceDividend RateAnnual Percentage Yield (APY)
$2,000.00 - $9,999.990.55%0.55%
$10,000.00 - $99,999.990.75%0.75%
$100,000.00+0.95%0.95%

Investment Checking

Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.

Minimum BalanceDividend RateAnnual Percentage Yield (APY)
$0.00 - $24,999.990.05%0.05%
$25,000.00 - $100,000.00+0.10%0.10%
 

Share Certificates1,2

Share Certificates1,2
Terms
$500 Minimum Balance$20,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance (Jumbo)
30 daysDividend Rate0.80%0.85%0.90%0.95%
APY0.80%0.85%0.90%0.95%
3-5 MonthsDividend Rate2.42%2.47%2.52%2.57%
APY2.45%2.50%2.55%2.60%
6-11 MonthsDividend Rate2.91%2.96%3.00%3.05%
APY2.95%3.00%3.05%3.10%
12-17 MonthsDividend Rate3.39%3.44%3.49%3.54%
APY3.45%3.50%3.55%3.60%
18-23 MonthsDividend Rate3.68%3.73%3.78%3.83%
APY3.75%3.80%3.85%3.90%
24-35 MonthsDividend Rate3.73%3.78%3.83%3.87%
APY3.80%3.85%3.90%3.95%
36-47 MonthsDividend Rate3.87%3.92%3.97%4.02%
APY3.95%4.00%4.05%4.10%
48-59 MonthsDividend Rate3.97%4.02%4.07%4.11%
APY4.05%4.10%4.15%4.20%
60 MonthsDividend Rate4.11%4.16%4.21%4.26%
APY4.20%4.25%4.30%4.35%
Share Certificates1,2
Share Certificates1,2
$500 Minimum Balance
Term Dividend Rate APY
30 days 0.80% 0.80%
3-5 Months 2.42% 2.45%
6-11 Months 2.91% 2.95%
12-17 Months 3.39% 3.45%
18-23 Months 3.68% 3.75%
24-35 Months 3.73% 3.80%
36-47 Months 3.87% 3.95%
48-59 Months 3.97% 4.05%
60 Months 4.11% 4.20%
$20,000 Minimum Balance
Term Dividend Rate APY
30 days 0.85% 0.85%
3-5 Months 2.47% 2.50%
6-11 Months 2.96% 3.00%
12-17 Months 3.44% 3.50%
18-23 Months 3.73% 3.80%
24-35 Months 3.78% 3.85%
36-47 Months 3.92% 4.00%
48-59 Months 4.02% 4.10%
60 Months 4.16% 4.25%
$50,000 Minimum Balance
Term Dividend Rate APY
30 days 0.90% 0.90%
3-5 Months 2.52% 2.55%
6-11 Months 3.00% 3.05%
12-17 Months 3.49% 3.55%
18-23 Months 3.78% 3.85%
24-35 Months 3.83% 3.90%
36-47 Months 3.97% 4.05%
48-59 Months 4.07% 4.15%
60 Months 4.21% 4.30%
$100,000 Minimum Balance
Term Dividend Rate APY
30 days 0.95% 0.95%
3-5 Months 2.57% 2.60%
6-11 Months 3.05% 3.10%
12-17 Months 3.54% 3.60%
18-23 Months 3.83% 3.90%
24-35 Months 3.87% 3.95%
36-47 Months 4.02% 4.10%
48-59 Months 4.11% 4.20%
60 Months 4.26% 4.35%
 

IRA Certificates1,2

Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.
IRA Certificates1,2
Terms
$500 Minimum Balance$20,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance (Jumbo)
30 days3Dividend Rate0.90%0.95%0.99%1.04%
APY0.90%0.95%1.00%1.05%
3-5 Months3Dividend Rate2.52%2.57%2.62%2.66%
APY2.55%2.60%2.65%2.70%
6-11 Months3Dividend Rate3.00%3.05%3.10%3.15%
APY3.05%3.10%3.15%3.20%
12-17 Months3Dividend Rate3.49%3.54%3.58%3.63%
APY3.55%3.60%3.65%3.70%
18-23 Months3Dividend Rate3.78%3.83%3.87%3.92%
APY3.85%3.90%3.95%4.00%
24-35 MonthsDividend Rate3.83%3.87%3.92%3.97%
APY3.90%3.95%4.00%4.05%
36-47 MonthsDividend Rate3.97%4.02%4.07%4.11%
APY4.05%4.10%4.15%4.20%
48-59 MonthsDividend Rate4.07%4.11%4.16%4.21%
APY4.15%4.20%4.25%4.30%
60 MonthsDividend Rate4.21%4.26%4.31%4.35%
APY4.30%4.35%4.40%4.45%
IRA Certificates
IRA Certificates1,2
$500 Minimum Balance
TermDividend RateAPY
30 days30.90%0.90%
3-5 Months32.52%2.55%
6-11 Months33.00%3.05%
12-17 Months33.49%3.55%
18-23 Months33.78%3.85%
24-35 Months3.83%3.90%
36-47 Months3.97%4.05%
48-59 Months4.07%4.15%
60 Months4.21%4.30%
$20,000 Minimum Balance
TermDividend RateAPY
30 days0.95%0.95%
3-5 Months2.57%2.60%
6-11 Months3.05%3.10%
12-17 Months3.54%3.60%
18-23 Months3.83%3.90%
24-35 Months3.87%3.95%
36-47 Months4.02%4.10%
48-59 Months4.11%4.20%
60 Months4.26%4.35%
$50,000 Minimum Balance
TermDividend RateAPY
30 days0.99%1.00%
3-5 Months2.62%2.65%
6-11 Months3.10%3.10%
12-17 Months3.58%3.65%
18-23 Months3.87%3.95%
24-35 Months3.92%4.00%
36-47 Months4.07%4.15%
48-59 Months4.16%4.25%
60 Months4.31%4.40%
$100,000 Minimum Balance
TermDividend RateAPY
30 days1.04%1.05%
3-5 Months2.66%2.70%
6-11 Months3.15%3.20%
12-17 Months3.63%3.70%
18-23 Months3.92%4.00%
24-35 Months3.97%4.05%
36-47 Months4.11%4.20%
48-59 Months4.21%4.30%
60 Months4.35%4.45%

​​Custom Savings Accounts

Custom Savings Accounts

Minimum Opening Deposit*Dividend RateAnnual Percentage Yield (APY)
My Club Account

Select a 6 to 18 months initial maturity; Account matures on same day of same month each year thereafter. Variable rate account, subject to change after the account is opened.

No minimum opening deposit required.0.75%0.75%
12-Month College Saver2

*The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

$200.003.49%3.55%
Custom Savings Accounts
Custom Savings Accounts
My Club Account

Select a 6 to 18 months initial maturity; Account matures on same day of same month each year thereafter. Variable rate account, subject to change after the account is opened.

Minimum Opening Deposit*
No minimum opening deposit required.
Dividend Rate0.75%
Annual Percentage Yield (APY)0.75%
12-Month College Saver2

*The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

Minimum Opening Deposit*
$200.00
Dividend Rate3.49%
Annual Percentage Yield (APY)3.55%

Other Savings Accounts

Other Savings Accounts

Minimum Opening Deposit*Dividend RateAnnual Percentage Yield (APY)
Accumulation IRA

Variable rate account; rate subject to change after the account is opened.

$10.000.75%0.75%
12-Month Coverdell Education Savings Account2,4

*The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

$100.004.21%4.30%
Other Savings Accounts
Other Savings Accounts
Accumulation IRA

Variable rate account; rate subject to change after the account is opened.

Minimum Opening Deposit*
$10.00
Dividend Rate0.75%
Annual Percentage Yield (APY)0.75%
12-Month Coverdell Education Savings Account2,4

*The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

Minimum Opening Deposit*
$100.00
Dividend Rate4.21%
Annual Percentage Yield (APY)4.30%

APY = Annual Percentage Yield.

IRA = Individual Retirement Account. Maximum annual contributions and contribution periods are determined by IRS regulations.

1Fees could reduce earnings on the account.

2Penalty for early withdrawal.

3Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

4Maximum annual contributions and contribution periods are determined by IRS regulations.