Deposit Rates

ProductMinimum Daily Balance to earn APYDividend RateAPY*Min. Deposit to Open
Eagle Savings 1 $0.01 0.10% 0.10% $10,000.00
$10,000.00 2.32% 2.35%
$250,000.01 0.50% 0.50%
Eagle Checking 2 $0.01 1.98% 2.00% $10.00
$50,000.01 0.15% 0.15%
15 Month Grand Opening CD Special 3 $500.00 2.44% 2.50% $500.00
15 Month Grand Opening Relationship CD Special 3 $500.00 2.69% 2.76% $500.00
Eagle Savings 1
Tier 1
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10,000.00
Tier 2
Minimum Daily Balance to earn APY $10,000.00
Dividend Rate 2.32%
APY* 2.35%
Min. Deposit to Open $10,000.00
Tier 3
Minimum Daily Balance to earn APY $250,000.01
Dividend Rate 0.50%
APY* 0.50%
Min. Deposit to Open $10,000.00
Eagle Checking 2
Tier 1
Minimum Daily Balance to earn APY $0.01
Dividend Rate 1.98%
APY* 2.00%
Min. Deposit to Open $10.00
Tier 2
Minimum Daily Balance to earn APY $50,000.01
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $10.00
15 Month Grand Opening CD Special 3
Minimum Daily Balance to earn APY $500.00
Dividend Rate 2.44%
APY* 2.50%
Min. Deposit to Open $500.00
15 Month Grand Opening Relationship CD Special 3
Minimum Daily Balance to earn APY $500.00
Dividend Rate 2.69%
APY* 2.76%
Min. Deposit to Open $500.00

1 Eagle Savings No additional deposits allowed into account. A $3 service charge per monthly statement cycle will apply if the daily account balance falls below $100.00. Service charge is waived with selection of eStatements. Consumer Accounts only. Limit one per tax reported owner. Rate effective through December 31, 2019 and then subject to change.

2 Eagle Checking requires direct deposit to earn 2.00% on first $50,000.00 and 0.15% on balances above $50,000.00. If these requirements are not maintained, the Eagle Checking rate will convert to the rates of a No Fee Checking. Dividends are paid on the balance, calculated using simple interest and posted at the end of the monthly statement cycle. Dividends compound per monthly statement cycle. Consumer Accounts only. Rate effective through December 31, 2019 and then subject to change.

3 15 Month Grand Opening Special Certificates Relationship CDs require maintenance of a Relationship account which includes a minimum balance $2,500 and a combined average daily balance $20,000 for all SMCU deposit accounts, and direct deposit to the account. APY is effective 09/17/18. Rates vary and are subject to change. Dividends are compounded daily and credited to account per monthly statement cycle. Fees may reduce earnings. Early withdrawal penalties and tax consequences may apply. APYs assume that funds remain on deposit for one year. No deposits during the term of the account. Upon maturity CD will convert to a standard 12 month CD at the then current rate. IRAs excluded. Membership eligibility is required. Details of rates, requirements, and terms and conditions are provided at account opening.

Checking Deposit Rates

ProgramMinimum Daily Balance to earn APYDividend RateAPY*Min. Deposit to Open
No Fee Checking1 $0.01 0.05% 0.05% $10.00
High Rate Checking 2 $0.01 0.10% 0.10% $5,000.00
$50,000.00 0.15% 0.15%
$100,000.00 0.25% 0.25%
Relationship Checking 3 $0.01 0.40% 0.40% $2,500.00
$5,000.01 0.10% 0.10%
Eagle Checking 4 $0.01 1.98% 2.00% $10.00
$50,000.01 0.15% 0.15%
Money Market 5

$0.01 0.05% 0.05% $10.00
$10,000.00 0.20% 0.20%
$25,000.00 0.30% 0.30%
$50,000.00 0.50% 0.50%
$100,000.00 0.75% 0.75%
No Fee Checking 1
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.05%
APY* 0.05%
Min. Deposit to Open $10
High Rate Checking 2
Tier 1:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $5,000
Tier 2:
Minimum Daily Balance to earn APY $50,000
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $5,000
Tier 3:
Minimum Daily Balance to earn APY $100,000
Dividend Rate 0.25%
APY* 0.25%
Min. Deposit to Open $5,000
Relationship Checking 3
Balances Up to $5,000:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.40%
APY* 0.40%
Min. Deposit to Open $2,500
Balances Over $5,000:
Minimum Daily Balance to earn APY $5,000.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open  $2,500
Eagle Checking 4
Tier 1:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 1.98%
APY* 2.00%
Min. Deposit to Open $10
Tier 2:
Minimum Daily Balance to earn APY $50,000.01
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $10
Money Market 5
Tier 1:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.05%
APY* 0.05%
Min. Deposit to Open $10
Tier 2:
Minimum Daily Balance to earn APY $10,000
Dividend Rate 0.20%
APY* 0.20%
Min. Deposit to Open $10
Tier 3:
Minimum Daily Balance to earn APY $25,000
Dividend Rate 0.30%
APY* 0.30%
Min. Deposit to Open $10
Tier 4:
Minimum Daily Balance to earn APY $50,000
Dividend Rate 0.50%
APY* 0.50%
Min. Deposit to Open $10
Tier 5:
Minimum Daily Balance to earn APY $100,000
Dividend Rate 0.75%
APY* 0.75%
Min. Deposit to Open $10

1 Rates may change after account is opened.

2 High Rate Checking requires a $500 minimum monthly direct deposit relationship or active usage of St. Mary's Credit Union's online bill payment service. A $6 monthly fee will apply if the daily account balance falls below $5,000.00. This account can not be used as a DBA. Rates may change after account is opened.

3 Relationship Checking requires direct deposit and a combined average daily deposit balance of $20,000 or more to earn 0.40% on first $5,000.00 and 0.10% on balances above $5,000.00. The combined average daily deposit balance of $20,000 is for all deposit accounts for the same tax reported owner, except commercial or business accounts. If these requirements are not maintained, the Relationship Checking will not receive ATM fee reimbursements, you will not be eligible to receive preferred CD rates for new or renewing CDs, and the Relationship Checking rates will convert to the rates of a No Fee Checking. A $15 monthly fee will apply if the average daily account balance falls below $2,500.00. Rates may change after account is opened.

4 Eagle Checking requires direct deposit to earn 2.00% on first $50,000.00 and 0.15% on balances above $50,000.00. If these requirements are not maintained, the Eagle Checking rate will convert to the rates of a No Fee Checking. Dividends are paid on the balance, calculated using simple interest and posted at the end of the monthly statement cycle. Dividends compound per monthly statement cycle. Consumer Accounts only. Rate effective through December 31, 2019 and then subject to change.

5 Money Market Checking allows for six (6) withdrawals or transfers made by check, preauthorized transfer or electronic/telephone transfer per month. Rates may change after account is opened.

Savings Deposit Rates

ProgramMinimum Daily Balance to earn APYDividend RateAPY*Min. Deposit to Open
Statement & Passbook Savings 1 $0.01 0.10% 0.10% $10.00
Ultra Savings 2 $0.01 0.10% 0.10% $10,000.00
$10,000.00 0.25% 0.25%
$100,000.00 0.30% 0.30%
Eagle Savings 3 $0.01 0.10% 0.10% $10,000.00
$10,000.00 2.23% 2.25%
$250,000.01 0.50% 0.50%
IRA Savings 4 $0.01 0.10% 0.10% $10.00
Christmas & Vacation Clubs 5 $0.01 0.15% 0.15% $10.00
Statement & Passbook Savings 1
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10
Ultra Savings Account 2
Tier 1:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10,000
Tier 2:
Minimum Daily Balance to earn APY $10,000
Dividend Rate 0.25%
APY* 0.25%
Min. Deposit to Open $10,000
Tier 3:
Minimum Daily Balance to earn APY $100,000
Dividend Rate 0.30%
APY* 0.30%
Min. Deposit to Open $10,000
Eagle Savings 3
Tier 1:
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10,000
Tier 2:
Minimum Daily Balance to earn APY $10,000
Dividend Rate 2.32%
APY* 2.35%
Min. Deposit to Open $10,000
Tier 3:
Minimum Daily Balance to earn APY $250,000.01
Dividend Rate 0.50%
APY* 0.50%
Min. Deposit to Open $10,000
IRA Savings Account 4
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10
Christmas & Vacation Club Accounts 5
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $10

1 Statement and Passbook Savings allow for six (6) withdrawals of transfers made by preauthorized transfer or electronic/telephone transfer per month. Rates may change after account is opened.

2 Ultra Savings requires a $500 minimum monthly direct deposit to any St. Mary's Credit Union account. If this minimum is not maintained, the dividend rate of the Ultra Savings Account will automatically convert to the dividend rate of the Statement Savings account. Ultra Savings Account withdrawals and transfers are limited to two (2) per month. A $25 fee will apply for each withdrawal or transfer over the maximum of two (2) per month. A $3 monthly fee will apply if the daily account balance falls below $100.00. Fee is waived with selective of e-statements. The Ultra Savings Account can not be used as a DBA or business account. Rates may change after account is opened.

3 Eagle Savings No additional deposits allowed into account. Maximum deposit of $250,000.00. A $3 service charge per monthly statement cycle will apply if the daily account balance falls below $100.00. Service charge is waived with selection of eStatements. Consumer Accounts only. Limit one per tax reported owner. Rate effective through December 31, 2018 and then subject to change.

4 IRA Savings annual contribution limits apply. The IRS may impose penalties for withdrawals made before the age of 59 1/2, Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

5 Christmas and Vacation Clubs allow for six (6) withdrawals or transfers made by preauthorized transfer or electronic/telephone transfer per statement cycle. Rates may change after account is opened.

APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed above 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.