​DIVIDEND

RATES & TERMS

Rates quoted are effective as of 4/16/2024 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.

Promotional Share Certificates1, 2

Available for a limited time. Promotional rate good for initial term only.

Promotional Share Certificates1, 2
Term Minimum Balance Dividend Rate Annual Percentage Yield (APY)
6-Month Add-On Promotional Share Certificate

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

$500.00 4.40% 4.50%
15-Month Promotional Share Certificate $500.00 4.64% 4.75%
37-Month Promotional Share Certificate $500.00 4.74% 4.85%
 
Promotional IRA Share Certificates1, 2
Term Minimum Balance Dividend Rate Annual Percentage Yield (APY)
6-Month Promotional IRA Share Certificate3 $500.00 4.50% 4.60%
15-Month Promotional IRA Share Certificate3 $500.00 4.74% 4.85%
37-Month Promotional IRA Share Certificate $500.00 4.83% 4.95%
Promotional Share Certificates1,2
Promotional Share Certificates1,2
$500 Minimum Balance
Term Dividend Rate APY
6-Month Add-On Promotional Share Certificate

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

4.40% 4.50%
15-Month Promotional Share Certificate 4.64% 4.75%
37-Month Promotional Share Certificate 4.74% 4.85%
Promotional IRA Share Certificates1,2
Promotional IRA Share Certificates1,2
$500 Minimum Balance
Term Dividend Rate APY
6-Month Promotional IRA Share Certificate3 4.50% 4.60%
15-Month Promotional IRA Share Certificate3 4.74% 4.85%
37-Month Promotional IRA Share Certificate 4.83% 4.95%

Checking & Savings1

Variable rate accounts, subject to change after account opening.
Checking & Savings Rates
Minimum Balance Dividend Rate Annual Percentage Yield (APY)
Share Savings $5.00 0.10% 0.10%
Liquid Advantage Money MarketDividend 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. A minimum balance of $0.01 is required to keep the share open. $2,000.00 - $9,999.99 0.75% 0.75%
$10,000.00 - $99,999.99 0.99% 1.00%
$100,000.00+ 1.49% 1.50%
Investment CheckingMinimum opening deposit $25. Dividend rate and APY apply to entire balance in account. $0.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $100,000.00+ 0.10% 0.10%
Checking & Savings Rates
Accounts
Share Savings
Minimum Balance Dividend Rate Annual Percentage Yield (APY)
$5.00 0.10% 0.10%
Liquid Advantage Money MarketDividend 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. A minimum balance of $0.01 is required to keep the share open.
Minimum Balance Dividend Rate Annual Percentage Yield (APY)
$2,000.00 - $9,999.99 0.75% 0.75%
$10,000.00 - $99,999.99 0.99% 1.00%
$100,000.00+ 1.49% 1.50%
Investment CheckingMinimum opening deposit $25. Dividend rate and APY apply to entire balance in account.
Minimum Balance Dividend Rate Annual Percentage Yield (APY)
$0.00 - $24,999.99 0.05% 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) $250,000 Minimum Balance (Jumbo)
30 days Dividend Rate 2.91% 2.96% 3.00% 3.05% 3.10%
APY 2.95% 3.00% 3.05% 3.10% 3.15%
3-5 Months Dividend Rate 3.78% 3.83% 3.87% 3.92% 3.97%
APY 3.85% 3.90% 3.95% 4.00% 4.05%
6-11 Months Dividend Rate 4.02% 4.07% 4.11% 4.16% 4.21%
APY 4.10% 4.15% 4.20% 4.25% 4.30%
12-17 Months Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
18-23 Months Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
24-35 Months Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
36-47 Months Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
48-59 Months Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
60 Months Dividend Rate 4.26% 4.31% 4.35% 4.40% 4.45%
APY 4.35% 4.40% 4.45% 4.50% 4.55%
Share Certificates1,2
Share Certificates1,2
$500 Minimum Balance
Term Dividend Rate APY
30 days 2.91% 2.95%
3-5 Months 3.78% 3.85%
6-11 Months 4.02% 4.10%
12-17 Months 4.11% 4.20%
18-23 Months 4.11% 4.20%
24-35 Months 4.11% 4.20%
36-47 Months 4.11% 4.20%
48-59 Months 4.11% 4.20%
60 Months 4.26% 4.35%
$20,000 Minimum Balance
Term Dividend Rate APY
30 days 2.96% 3.00%
3-5 Months 3.83% 3.90%
6-11 Months 4.07% 4.15%
12-17 Months 4.16% 4.25%
18-23 Months 4.16% 4.25%
24-35 Months 4.16% 4.25%
36-47 Months 4.16% 4.25%
48-59 Months 4.16% 4.25%
60 Months 4.31% 4.40%
$50,000 Minimum Balance
Term Dividend Rate APY
30 days 3.00% 3.05%
3-5 Months 3.87% 3.95%
6-11 Months 4.11% 4.20%
12-17 Months 4.21% 4.30%
18-23 Months 4.21% 4.30%
24-35 Months 4.21% 4.30%
36-47 Months 4.21% 4.30%
48-59 Months 4.21% 4.30%
60 Months 4.35% 4.45%
$100,000 Minimum Balance (Jumbo)
Term Dividend Rate APY
30 days 3.05% 3.10%
3-5 Months 3.92% 4.00%
6-11 Months 4.16% 4.25%
12-17 Months 4.26% 4.35%
18-23 Months 4.26% 4.35%
24-35 Months 4.26% 4.35%
36-47 Months 4.26% 4.35%
48-59 Months 4.26% 4.35%
60 Months 4.40% 4.50%
$250,000 Minimum Balance (Jumbo)
Term Dividend Rate APY
30 days 3.10% 3.15%
3-5 Months 3.97% 4.05%
6-11 Months 4.21% 4.30%
12-17 Months 4.31% 4.40%
18-23 Months 4.31% 4.40%
24-35 Months 4.31% 4.40%
36-47 Months 4.31% 4.40%
48-59 Months 4.31% 4.40%
60 Months 4.45% 4.55%
 

IRA Certificates1,2 (Traditional and Roth IRA)

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) $250,000 Minimum Balance (Jumbo)
30 days3 Dividend Rate 3.00% 3.05% 3.10% 3.15% 3.20%
APY 3.05% 3.10% 3.15% 3.20% 3.25%
3-5 Months3 Dividend Rate 3.87% 3.92% 3.97% 4.02% 4.07%
APY 3.95% 4.00% 4.05% 4.10% 4.15%
6-11 Months3 Dividend Rate 4.11% 4.16% 4.21% 4.26% 4.31%
APY 4.20% 4.25% 4.30% 4.35% 4.40%
12-17 Months3 Dividend Rate 4.21% 4.26% 4.31% 4.35% 4.40%
APY 4.30% 4.35% 4.40% 4.45% 4.50%
18-23 Months3 Dividend Rate 4.21% 4.26% 4.31% 4.35% 4.40%
APY 4.30% 4.35% 4.40% 4.45% 4.50%
24-35 Months Dividend Rate 4.21% 4.26% 4.31% 4.35% 4.40%
APY 4.30% 4.35% 4.40% 4.45% 4.50%
36-47 Months Dividend Rate 4.21% 4.26% 4.31% 4.35% 4.40%
APY 4.30% 4.35% 4.40% 4.45% 4.50%
48-59 Months Dividend Rate 4.21% 4.26% 4.31% 4.35% 4.40%
APY 4.30% 4.35% 4.40% 4.45% 4.50%
60 Months Dividend Rate 4.35% 4.40% 4.45% 4.50% 4.55%
APY 4.45% 4.50% 4.55% 4.60% 4.65%
IRA Certificates
IRA Certificates1,2
$500 Minimum Balance
Term Dividend Rate APY
30 days3 3.00% 3.05%
3-5 Months3 3.87% 3.95%
6-11 Months3 4.11% 4.20%
12-17 Months3 4.21% 4.30%
18-23 Months3 4.21% 4.30%
24-35 Months 4.21% 4.30%
36-47 Months 4.21% 4.30%
48-59 Months 4.21% 4.30%
60 Months 4.35% 4.45%
$20,000 Minimum Balance
Term Dividend Rate APY
30 days 3.05% 3.10%
3-5 Months 3.92% 4.00%
6-11 Months 4.16% 4.25%
12-17 Months 4.26% 4.35%
18-23 Months 4.26% 4.35%
24-35 Months 4.26% 4.35%
36-47 Months 4.26% 4.35%
48-59 Months 4.26% 4.35%
60 Months 4.40% 4.50%
$50,000 Minimum Balance
Term Dividend Rate APY
30 days 3.10% 3.15%
3-5 Months 3.97% 4.05%
6-11 Months 4.21% 4.30%
12-17 Months 4.31% 4.40%
18-23 Months 4.31% 4.40%
24-35 Months 4.31% 4.40%
36-47 Months 4.31% 4.40%
48-59 Months 4.31% 4.40%
60 Months 4.45% 4.55%
$100,000 Minimum Balance (Jumbo)
Term Dividend Rate APY
30 days 3.15% 3.20%
3-5 Months 4.02% 4.10%
6-11 Months 4.26% 4.35%
12-17 Months 4.35% 4.45%
18-23 Months 4.35% 4.45%
24-35 Months 4.35% 4.45%
36-47 Months 4.35% 4.45%
48-59 Months 4.35% 4.45%
60 Months 4.50% 4.60%
$250,000 Minimum Balance (Jumbo)
Term Dividend Rate APY
30 days 3.20% 3.25%
3-5 Months 4.07% 4.15%
6-11 Months 4.31% 4.40%
12-17 Months 4.40% 4.50%
18-23 Months 4.40% 4.50%
24-35 Months 4.40% 4.50%
36-47 Months 4.40% 4.50%
48-59 Months 4.40% 4.50%
60 Months 4.55% 4.65%

​​Custom Savings Accounts

Custom Savings Accounts
Minimum Opening Deposit* Dividend Rate Annual 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. 0.99% 1.00%
12-Month College Saver2

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

$200.00 4.21% 4.30%
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* Dividend Rate Annual Percentage Yield (APY)
No minimum opening deposit required. 0.99% 1.00%
12-Month College Saver2

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

Minimum Opening Deposit* Dividend Rate Annual Percentage Yield (APY)
$200.00 4.21% 4.30%

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.

$10.000.99%1.00%
12-Month Coverdell Education Savings Account2,4

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

$100.004.35%4.45%
Other Savings Accounts
Other Savings Accounts
Accumulation IRA

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

Minimum Opening Deposit* Dividend Rate Annual Percentage Yield (APY)
$10.00 0.99% 1.00%
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* Dividend Rate Annual Percentage Yield (APY)
$100.00 4.35% 4.45%

APY = Annual Percentage Yield.

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

  1. Fees could reduce earnings on the account.
  2. Penalty for early withdrawal.
  3. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
  4. Maximum annual contributions and contribution periods are determined by IRS regulations.