Deposit Rates
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Deposit Rates
Rates effective December 23, 2022
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| Account Description | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Share (Savings) Account | 0.10% | 0.10% |
| Companion Account* | 3.00% | 3.04% |
| Kids' Stanford Savers Account | 0.10% | 0.10% |
| Coverdell Education Savings Account (ESA) | 0.10% | 0.10% |
| Premier Checking | 0.05% | 0.05% |
| Premier Checking - Ambassador | 0.15% | 0.15% |
| Individual Retirement Account (IRA) | 0.10% | 0.10% |
| Health Savings Account (HSA) | 0.10% | 0.10% |
| Premier Health Savings Account (PHSA) | 0.20% | 0.20% |
All dividends are compounded and paid monthly. Share and Checking Accounts have a variable rate.
*The Companion Savings account is linked to a regular savings, money market, or certificate account. For Companion Savings accounts linked to a regular savings or money market, dividends will be calculated based on the average daily balance of the linked savings or money market for the previous month since there is a fluctuating balance due to deposits and withdrawals. For a Companion Savings linked to a certificate account, dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Once a Certificate is opened, the rate remains fixed through maturity, and early withdrawal penalties apply and may reduce earnings.
Money Market Account Rates
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| Account Description | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Money Market Account | 1.55% | 1.56% |
| Money Market Account for Ambassador Member Relationships | 1.80% | 1.81% |
All dividends are compounded and paid monthly. Money Market Accounts have a variable rate.
Certificate and Individual Retirement Account (IRA) Certificate Rates
Premium Share Certificate Rates for Partners & Ambassadors
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| Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
|---|---|---|
| 3 months | 1.90% | 1.92% |
| 6 months | 2.25% | 2.27% |
| 7-Month No Penalty | 3.50% | 3.56% |
| 12 months | 4.15% | 4.23% |
| 24 months | 3.30% | 3.35% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.40% | 3.45% |
| 60 months | 4.15% | 4.23% |
Share Certificate Rates
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| Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
|---|---|---|
| 3 months | 1.65% | 1.66% |
| 6 months | 2.00% | 2.02% |
| 7-Month No Penalty | 3.25% | 3.30% |
| 12 months | 3.90% | 3.97% |
| 24 months | 3.05% | 3.09% |
| 36 months | 3.05% | 3.09% |
| 48 months | 3.15% | 3.20% |
| 60 months | 3.90% | 3.97% |
Premium IRA Share Certificate Rates for Partners & Ambassadors
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| Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
|---|---|---|
| 12 months | 4.15% | 4.23% |
| 24 months | 3.30% | 3.35% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.40% | 3.45% |
| 60 months | 4.15% | 4.23% |
IRA Share Certificate Rates
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| Term | Dividend Rate Minimum $1,000 |
Annual Percentage Yield Minimum $1,000 |
|---|---|---|
| 12 months | 3.90% | 3.97% |
| 24 months | 3.05% | 3.09% |
| 36 months | 3.05% | 3.09% |
| 48 months | 3.15% | 3.20% |
| 60 months | 3.90% | 3.97% |
Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply and may reduce earnings. The 7-Month No Penalty Certificate may be closed after seven (7) calendar days from opening with no penalty. Membership eligibility is required.
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Learn MoreDeposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).
