Savings Rates & Terms

Last Rate Change Effective: 12/15/2018 Rate Effective For Quarter: 4th Quarter 2018 Note: Rates Are Subject To Change Without Notice.   Share/IRA Certificates Term Of Account Amount Dividend Rate APY* 06 Month $ 1,000 Minimum 0.02% 0.02% 12 Month $ 1,000 Minimum 0.04% 0.04% 18 Month $ 1,000 Minimum 0.04% 0.04% 24 Month $ 1,000 Minimum 0.04% 0.04% 36 Month $ 1,000 Minimum 0.06% 0.06% 12 Month Super $ 25,000 Minimum 0.06% 0.06% 18 Month Super $ 25,000 Minimum 0.06% 0.06% 24 Month Super $ 25,000 Minimum 0.06% 0.06% 36 Month Super $ 25,000 Minimum 0.08% 0.08% Call your STJ FCU staff for today's competitive rates on other Share rates and terms. APY means Annual Percentage Yield as required by Truth in Savings. Dividends are computed daily and paid Quarterly. Initial Dividend Rates are subject to change without prior notice. Listed Dividend and APY RATES are accurate as of the Rate Change Effective Date. Once issued, the APY will apply for the TERM of the Share Certificate. SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL before Maturity. Shares Account Type Terms Dividend Rate APY* Share (Savings) Minimum $ 5.00 0.02% 0.02% Safari Club Members under age 13 0.02% 0.02% Christmas Club Paid to share account October 1st 0.02% 0.02% Vacation Club Paid to share account June 1st 0.02% 0.02% Special Share Saving for special items 0.02% 0.02% IRA Savings $ 25.00 fee if closed within 3 months 0.02% 0.02% Christmas club payout date it October 1st each year. APY means Annual Percentage Yield as required by Truth in Savings The APY is accurate as of the Rates Published Date. APY rates are set at the end of each calendar quarter and applied retroactively, but are subject to change at any time. Dividends are computed daily and paid Quarterly. Accounts with less than a $ 50.00 balance with no activity for 3 years will incur service fees of $ 2.00 per month.