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Product Minimum Daily Balance to earn APY Dividend Rate APY* Min. Deposit to Open
24 Month Relationship CD Special $500.00 1.71% 1.75% $500.00
24 Month CD Special $500.00 1.47% 1.50% $500.00
15 Month Relationship CD Special** $500.00 1.95% 2.00% $500.00
20 Month Relationship CD Special** $500.00 1.71% 1.75% $500.00
15 Month CD Special** $500.00 1.71% 1.75% $500.00
20 Month CD Special** $500.00 1.47% 1.50% $500.00
Eagle Checking1 $0.01 1.98% 2.00% $10.00 
Eagle Checking1 $50,000.01 0.15% 0.15% $10.00

1 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.

**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 for 15 and 20 month specials. Consumer accounts only.

Checking Deposit Rates

Program Minimum Daily Balance to earn APY Dividend Rate APY* Min. Deposit to Open
On The Go Checking1 $0.01 0.05% 0.05% $10.00
No Fee Checking2 $0.01 0.05% 0.05% $10.00 
High Rate Checking3 $0.01 0.10%  0.10%  $5,000.00 
High Rate Checking3 $50,000.00 0.15%  0.15%  $5,000.00 
High Rate Checking3 $100,000.00  0.25%  0.25%  $5,000.00 
Relationship Checking4 $0.01  0.40%  0.40%  $2,500.00 
Relationship Checking4 $5,000.01  0.10%  0.10%  $2,500.00 
Eagle Checking5 $0.01  1.98%  2.00%  $10.00 
Eagle Checking5 $50,000.01  0.15%  0.15%  $10.00 

1 On The Go Checking requirements to receive up to $15 in ATM fee reimbursements per monthly statement cycle, per account: one minimum direct deposit of $250.00, at least 10 posted POS (Point of Sale) Debit Card transactions on the account, and eStatement enrollment.

2 Rates may change after account is opened.

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.

4 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.

5 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.


Money Market Rates

Minimum Daily Balance to earn APY Dividend Rate APY* Min. Deposit to Open
$0.01 0.05% 0.05% $10.00
$10,000.00 0.20% 0.20% $10.00
$25,000.00 0.30% 0.30% $10.00
$50,000.00 0.50% 0.50% $10.00
$100,000.00 0.75% 0.75% $10.00

 

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

Program Minimum Daily Balance to earn APY Dividend Rate APY* Min. Deposit to Open
Statement & Passbook Savings1 $0.01 0.10% 0.10% $10.00
Ultra Savings2 $0.01 0.10% 0.10% $10,000.00
Ultra Savings2 $10,000.00 0.25% 0.25% $10,000.00
Ultra Savings2 $100,000.00 0.30% 0.30% $10,000.00
IRA Saving3 $0.01 0.10% 0.10% $10.00
Christmas & Vacation Clubs4 $0.01 0.15% 0.15% $10.00

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 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.

4 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 below are accurate as of July 11, 2019 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.