Certificate & IRA Rates

APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed below are accurate as of September 20, 2018 and can change at any time without notice. Rates may change after account is opened. APYs assume that funds remain on deposit for one year. Dividends are compounded daily and credited monthly. Fees may reduce earnings. St. Mary's Credit Union membership eligibility is required for all accounts. Details of rates, terms and limitations are provided during account opening and are available at any branch location.

Certificates & Individual Retirement Accounts

Term*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
3 Month $500.00 0.25% 0.25% $500.00
6 Month $500.00 1.03% 1.05% $500.00
12 Month $500.00 0.39% 0.40% $500.00
15 Month Grand Opening Special** $500.00 2.44% 2.50% $500.00
18 Month $500.00 0.74% 0.75% $500.00
20 Month Special** $500.00 1.95% 2.00% $500.00
24 Month $500.00 1.23% 1.25% $500.00
36 Month $500.00 1.47% 1.50% $500.00
48 Month $500.00 1.71% 1.75% $500.00
60 Month $500.00 1.95% 2.00% $500.00

*Certificate and IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. The 15 month Certificate and IRA will automatically convert to a 12 month term upon initial maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

**Upon maturity the 15 month and 20 month CD specials will convert to a standard 12 month CD at the then current rate. IRAs not eligible. Consumer accounts only.

Relationship Certificates & Individual Retirement Accounts

Term*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
3 Month $500.00 0.39% 0.40% $500.00
6 Month $500.00 1.18% 1.20% $500.00
12 Month $500.00 0.54% 0.55% $500.00
15 Month Grand Opening Special** $500.00 2.69% 2.76% $500.00
18 Month $500.00 0.98% 1.00% $500.00
20 Month Special** $500.00 2.19% 2.25% $500.00
24 Month $500.00 1.47% 1.50% $500.00
36 Month $500.00 1.71% 1.75% $500.00
48 Month $500.00 1.95% 2.00% $500.00
60 Month $500.00 2.19% 2.25% $500.00

*To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking account. If all requirements are not maintained, the Relationship Checking account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Certificate and IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits cannot be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. The 15 month Certificate and IRA will automatically convert to a 12 month term upon initial maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

**Upon maturity the 15 month and 20 month CD specials will convert to a standard 12 month CD at the then current rate. IRAs not eligible. Consumer accounts only.

Jumbo Certificates & Jumbo Individual Retirement Accounts (IRAs)

Term*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
3 Month $100,000.00 0.25% 0.25% $100,000.00
6 Month $100,000.00 1.03% 1.05% $100,000.00
12 Month $100,000.00 0.49% 0.50% $100,000.00
15 Month Special** $100,000.00 2.44% 2.50% $100,000.00
18 Month $100,000.00 0.88% 0.90% $100,000.00
20 Month Special** $100,000.00 2.05% 2.10% $100,000.00
24 Month $100,000.00 1.47% 1.50% $100,000.00
36 Month $100,000.00 1.71% 1.75% $100,000.00
48 Month $100,000.00 1.95% 2.00% $100,000.00
60 Month $100,000.00 2.19% 2.25% $100,000.00

*Jumbo Certificate and Jumbo IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. The 15 month Certificate and IRA will automatically convert to a 12 month term upon initial maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

**Upon maturity the 15 month and 20 month CD specials will convert to a standard 12 month CD at the then current rate. IRAs not eligible. Consumer accounts only.

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts (IRAs)

Term*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
3 Month $100,000.00 0.39% 0.40% $100,000.00
6 Month $100,000.00 1.18% 1.20% $100,000.00
12 Month $100,000.00 0.64% 0.65% $100,000.00
15 Month Grand Opening Special** $100,000.00 2.69% 2.76% $100,000.00
18 Month $100,000.00 1.13% 1.15% $100,000.00
20 Month Special** $100,000.00 2.29% 2.35% $100,000.00
24 Month $100,000.00 1.71% 1.75% $100,000.00
36 Month $100,000.00 1.95% 2.00% $100,000.00
48 Month $100,000.00 2.19% 2.25% $100,000.00
60 Month $100,000.00 2.44% 2.50% $100,000.00

*To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking account. If all requirements are not maintained, the Relationship Checking account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Jumbo Certificate and Jumbo IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. The 15 month Certificate and IRA will automatically convert to a 12 month term upon initial maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

**Upon maturity the 15 month and 20 month CD specials will convert to a standard 12 month CD at the then current rate. IRAs not eligible. Consumer accounts only.

Bump-Up Certificates & Bump-Up Individual Retirement Accounts (IRAs)

Bump-Up Certificates & Bump-Up Individual Retirement Accounts (IRAs)*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
30 Month Certificate $500.00 1.47% 1.50% $500.00
30 Month Jumbo Certificate $100,000.00 1.95% 2.00% $100,000.00
30 Month IRA $500.00 1.47% 1.50% $500.00
30 Month Jumbo IRA $100,000.00 1.95% 2.00% $100,000.00

*Bump-Up Certificates and Bump-Up IRA rates are not guaranteed to be available at rollover. One bump-up in rate is allowed per 30-Month term. APYs assume that funds remain on deposit for one year. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity. Consumer accounts only.  

Relationship Bump-Up Certificates & Bump-Up Individual Retirement Accounts (IRAs)

Bump-Up Certificates & Bump-Up Individual Retirement Accounts (IRAs)*Minimum Daily Balance to earn APYDividend RateAPYMin. Deposit
30 Month Certificate $500.00 1.71% 1.75% $500.00
30 Month Jumbo Certificate $100,000.00 2.19% 2.25% $100,000.00
30 Month IRA $500.00 1.71% 1.75% $500.00
30 Month Jumbo IRA $100,000.00 2.19% 2.25% $100,000.00

*To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking account. If all requirements are not maintained, the Relationship Checking account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Bump-Up Certificates and Bump-Up IRA rates are not guaranteed to be available at rollover. One bump-up in rate is allowed per 30-Month term. APYs assume that funds remain on deposit for one year. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity. Consumer accounts only.