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Your deposits are insured up to $500,000. Click here to find out more.

Rates effective as of November 1, 2023. Rates are subject to change at any time without notice.

Investment Rates / Checking / Savings

Investment Accounts
Certificate of Deposit
IRA & Regular
TermRegular < $50k
APR* | APY*
Jumbo > $50k
APR* | APY*
6 Months1.00% | 1.00%1.10% | 1.10%
(Save to Win)1 Year2.00% | 2.01%2.20% | 2.22%
2 Years3.00% | 3.04%3.20% | 3.25%
3 Years3.25% | 3.30%3.30% | 3.35%
4 Years3.35% | 3.40%3.40% | 3.45%
5 Years3.50% | 3.56%3.55% | 3.61%
CD Special9 MonthsN/A5.00% | 5.12%
 
Minimum
Opening Deposit
Regular < $50k
APR* | APY*
Jumbo > $50k
APR* | APY*
Traditional IRA Savings$5.002.00% | 2.01%5.00% | 5.12%
Roth IRA Savings$5.002.00% | 2.01%5.00% | 5.12%
 
 
Checking Accounts
CheckingMinimum
Opening Deposit
APR* | APY*
$2,000 and up$50.000.25% | 0.25%
 
Money Market CheckingMinimum
Opening Deposit
APR* | APY*
$2,000 - $9,999.99$2,000.001.00% | 1.00%
$10,000.00 - $49,999.99$2,000.002.00% | 2.01%
$50,000 and up$2,000.003.00% | 3.04%
 
Savings Accounts
SavingsMinimum
Opening Deposit
APR* | APY*
$100.00 - $499.99$5.000.25% | 0.25%
$500.00 - $4,999.99$5.000.50% | 0.50%
$5,000 and up$5.001.00% | 1.00%
Youth Savings$5.001.00% | 1.00%
Christmas Club Savings$5.001.00% | 1.00%
College Savings
$500 and up
$5.001.00% | 1.00%
 

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 QUARTERLY. A Jumbo CD is $50,000+. For more information on Save to Win, click here.

All accounts 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. Click here to find out more. 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for certificates of deposit is the greater of $25.00, or 50% of the dividends that would have been earned on the amount withdrawn (over the remainder of the certificate’s term).

9-Month CD – Limited Time Promotional Rate Disclosures
Rate valid for 9 month CDs with a minimum balance of $50,000. No prior relationship requirement to apply for the CD account. 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.

 

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