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(Rates Effective as of October 1, 2021)

Regular Savings

Min. DepositTermAPY*Rate
$5.00Open.05%.05%

Advantage Account

Min. DepositTermAPY*Rate
$2,000.00Open.10%.10%
$10,000.00Open.15%.15%

Christmas Club

Min. DepositTermAPY*Rate
$5.00Open.10%
.10%

Buckaroos / ECHO Club (Ages 0-18)

Min. DepositTermAPY*Rate
$5.00-$3000.00
Open1.00%
1.00%
$3000.00 +
Open0.15%
0.15%

IRA Deposit Account

Min. DepositsTermAPY*Rate
$5.00
Open0.75%0.75%

Plus Share Draft

Min. DepositsTermAPY*Rate
$100 to Earn DividendsOpen0.05%0.05%

Saver’s Sweepstakes

Min. DepositsTermAPY*Rate
$5.00-$1,999.00 to earn dividendsOpen1.00%1.00%
$2,000.00 +
Open0.50%0.50%

Round-Up Savings

Min. DepositsTermAPY*Rate
$5.00Open5.00%5.12%

Share Certificates

TermMin. DepositsAPY*Rate
3 Months$500.00.15%
.15%
6 Months$500.00.20%
.20%
9 Months$500.00.25%.25%
12 Months$500.00.25%.25%
18 Months$500.00.30%.30%
30 Months$500.00.40%.40%
36 Months$500.00.45%.45%
48 Months$500.00.50%.50%
60 Months$500.00.50%.50%

Adjustable Certificate***

TermMin. DepositsAPY*Rate
24 Months$1,000.00.35%.35%

*APY is the Annual Percentage Yield. Rates and fees are subject to change. *** 24 month Share Certificate has a one-time adjustable rate feature. At any time during the term of your certificate, you may adjust to the current 24-month rate while maintaining the original maturity date. Penalty for early withdrawal

*APR = Annual Percentage Rate. Subject to credit approval. Rate and term available for 2019 and newer vehicles only. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.