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As a not-for-profit financial institution, one of the ways we return profits to our members is through higher dividend rates.


Savings Account Rates
Effective Sep 28, 2022
Description Dividend Rate APY* Min Open Deposit
Share Savings Account** 0.10% 0.10% $5
Youth Savings Account** 0.10% 0.10% $5
Holiday Club Account*** 0.10% 0.10% $25
Name Your Club Account 0.10% 0.10% $25
*APY = Annual Percentage Yield
**The minimum required to open this account is the purchase of a $5.00 share. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.
***Transactions are subject to limitations.

Checking Rates
Effective Sep 28, 2022
Description Dividend APY* Min Open Deposit
Revive Checking 0.00% 0.00% $25
Cash Back Checking 0.00% 0.00% $0
Xceptional Checking 2.96% 3.00%* $0
*APY = Annual Percentage Yield. For Xceptional Checking, dividends are calculated using the daily balance method which applies a daily periodic rate to the principal each day. Members who meet the monthly requirements will receive an APY of 0.70% on balances over $10,000. Members who do not meet the monthly requirements to receive the 3% APY will receive an APY of 0.5% on their checking account balance. Rates subject to change. Debit card purchases for Xceptional Checking and Cash Back Checking must have been posted prior to the last day of the month to count towards the 15 purchase minimum for that particular month, purchases made but still pending are not counted. 

IRA & Education Savings Account Rates
Effective Sep 28, 2022
Description Dividend APY* Min Open Deposit
Traditional, Roth or Coverdell Share Account 0.10% 0.10% $25
*APY = Annual Percentage Yield

Certificate Rates
Effective Sep 28, 2022
Type Term Dividend APY*
Current Promotion (Share or IRA)** 18 mo 2.75% 2.78%**
Share or IRA 5 yr 2.00% 2.01%
Share or IRA 4 yr 2.00% 2.01%
Share or IRA 3 yr 2.00% 2.01%
Share or IRA 2 yr 1.75% 1.76%
Share or IRA 1 yr 1.00% 1.00%
Share 6 mo 0.60% 0.60%
Share 3 mo 0.40% 0.40%
*APY = Annual Percentage Yield. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.
**Rate as of 9/06/2022. Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. IRA certificates are subject to IRS contribution limits. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point. The 18-month share or IRA certificate must be opened at a Securityplus Federal Credit Union branch location and must be funded with money not currently on deposit with Securityplus (new money); or, a member must have a qualifying monthly direct deposit of $500 established with Securityplus. A qualifying direct deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security, or other regular monthly income electronically deposited by an employer or an outside agency into a share account with Securityplus. Securityplus reserves the right to end or modify this offer or update the stated Annual Percentage Yield (APY) at any time.

Certificate Rates
Effective Sep 28, 2022
Type Term Dividend APY*
Current Promotion (Share or IRA)** 18 mo 2.75% 2.78%**
Share or IRA 5 yr 2.00% 2.01%
Share or IRA 4 yr 2.00% 2.01%
Share or IRA 3 yr 2.00% 2.01%
Share or IRA 2 yr 1.75% 1.76%
Share or IRA 1 yr 1.00% 1.00%
Share 6 mo 0.60% 0.60%
Share 3 mo 0.40% 0.40%
*APY = Annual Percentage Yield. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.
**Rate as of 9/06/2022. Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. IRA certificates are subject to IRS contribution limits. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point. The 18-month share or IRA certificate must be opened at a Securityplus Federal Credit Union branch location and must be funded with money not currently on deposit with Securityplus (new money); or, a member must have a qualifying monthly direct deposit of $500 established with Securityplus. A qualifying direct deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security, or other regular monthly income electronically deposited by an employer or an outside agency into a share account with Securityplus. Securityplus reserves the right to end or modify this offer or update the stated Annual Percentage Yield (APY) at any time.

Money Market Account Rates
Effective Sep 28, 2022
Description Dividend APY* Min Open Deposit
Money Market Account (MMA) 0.10% 0.10% $1,500
MMA Plus ($5,000 - $49,999.99) 0.15% 0.15% $1,500
MMA Premier ($50,000 - $249,999.99) 0.20% 0.20% $1,500
MMA Prestige ($250,000+) 0.25% 0.25% $1,500
*APY = Annual Percentage Yield.
**The minimum opening deposit required is $1,500 and must be maintained as an average daily balance to obtain the disclosed annual percentage yield. Average daily balances that fall under $1,500, but remain above $500, on any day will receive the checking account annual percentage yield for that day. Average daily balances under $500 will receive no dividends. Transactions are subject to limitations. Dividend rate is subject to change monthly. Please contact a Member Service Representative for details.

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Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!

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