Deposit Rates

APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed below are accurate as of May 5, 2016 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.

Deposit Rates

ProgramMinimum Daily Balance to earn APYDividend RateAPY*Min. Deposit to Open
No-Fee Checking 1 $0.01 0.05% 0.05% $10
High Rate Checking 2 $0.01 0.10% 0.10% $5,000
$50,000.00 0.15% 0.15% $5,000
$100,000.00 0.25% 0.25% $5,000
Relationship Checking 3 $0.01 0.40% 0.40% $2,500
$5,000.01 0.10% 0.10% $2,500
Money Market 4

$0.01 0.05% 0.05% $10
$10,000.00 0.05% 0.05% $10
$25,000.00 0.25% 0.25% $10
$50,000.00 0.40% 0.40% $10
$100,000.00 0.60% 0.60% $10
Statement & Passbook Savings 5 $0.01 0.10% 0.10% $10
Ultra Savings Account 6 $0.01 0.10% 0.10% $10,000
$10,000.00 0.25% 0.25% $10,000
$100,000.00 0.30% 0.30% $10,000
IRA Savings Account 7 $0.01 0.10% 0.10% $10
Christmas & Vacation Club Accounts 8 $0.01 0.15% 0.15% $10
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 $50,000.00
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $5,000
Tier 3:
Minimum Daily Balance to earn APY $100,000.00
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
Money Market 4
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 $10,000.00
Dividend Rate 0.05%
APY* 0.05%
Min. Deposit to Open $10
Tier 3:
Minimum Daily Balance to earn APY $25,000.00
Dividend Rate 0.25%
APY* 0.25%
Min. Deposit to Open $10
Tier 4:
Minimum Daily Balance to earn APY $50,000.00
Dividend Rate 0.40%
APY* 0.40%
Min. Deposit to Open $10
Tier 5:
Minimum Daily Balance to earn APY $100,000.00
Dividend Rate 0.60%
APY* 0.60%
Min. Deposit to Open $10
Statement & Passbook Savings 5
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10
Ultra Savings Account 6
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 $10,000.00
Dividend Rate 0.25%
APY* 0.25%
Min. Deposit to Open $10,000
Tier 3:
Minimum Daily Balance to earn APY $100,000.00
Dividend Rate 0.30%
APY* 0.30%
Min. Deposit to Open $10,000
IRA Savings Account 7
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.10%
APY* 0.10%
Min. Deposit to Open $10
Christmas & Vacation Club Accounts 8
Minimum Daily Balance to earn APY $0.01
Dividend Rate 0.15%
APY* 0.15%
Min. Deposit to Open $10

1 Rates may change after account is opened.

2 High Rate Checking Account 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, e‐statement enrollment 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. 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 Money Market Checking Account allows for six (6) withdrawals or transfers made by check, preauthorized transfer or electronic/telephone transfer per statement cycle. Rates may change after account is opened.

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

6 Ultra Savings Account 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 statement cycle. A $25 fee will apply for each withdrawal or transfer over the maximum of two (2) per statement cycle. The Ultra Savings Account can not be used as a DBA or business account. Rates may change after account is opened.

7 IRA Savings Account 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.

8 Christmas and Vacation Club Accounts 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.

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 0.30% 0.30% $500.00
12 Month $500.00 0.39% 0.40% $500.00
15 Month Special $500.00 0.74% 0.75% $500.00
18 Month $500.00 0.74% 0.75% $500.00
24 Month $500.00 0.83% 0.85% $500.00
36 Month $500.00 0.98% 1.00% $500.00
48 Month $500.00 1.32% 1.35% $500.00
60 Month $500.00 1.71% 1.75% $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.

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 0.30% 0.30% $100,000.00
12 Month $100,000.00 0.49% 0.50% $100,000.00
15 Month Special $100,000.00 0.88% 0.90% $100,000.00
18 Month $100,000.00 0.88% 0.90% $100,000.00
24 Month $100,000.00 1.08% 1.10% $100,000.00
36 Month $100,000.00 1.23% 1.25% $100,000.00
48 Month $100,000.00 1.47% 1.50% $100,000.00
60 Month $100,000.00 1.95% 2.00% $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.

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 0.83% 0.85% $500.00
30 Month Jumbo Certificate $100,000.00 0.98% 1.00% $100,000.00
30 Month IRA $500.00 0.83% 0.85% $500.00
30 Month Jumbo IRA $100,000.00 0.98% 1.00% $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.