Savings Rates

All rates are effective October 14, 2025

Regular Shares
Rate	APY	Minimum Balance
.40%	.40%	$5.00

Dividends paid monthly.
($25.00 minimum to receive dividends)

Club Accounts
Rate	APY	Minimum Balance
.40%	.40%	None

Types of club accounts: holiday, vacation, tax, all-purpose.
Dividends paid monthly.

IRA Shares
Rate	APY	Minimum Balance
.75%	.75%	None

Dividends paid monthly.

IRA Certificates
Term	Rate	APY	Minimum Balance
6 months	1.98%	2.00%	$500.00
12 months	2.13%	2.15%	$500.00
18 months	2.13%	2.15%	$500.00
24 months	2.18%	2.20%	$500.00
36 months	3.44%	3.50%	$500.00
48 months	2.27%	2.30%	$500.00
60 months	2.23%	2.35%	$500.00

Money Markets
Rate	APY	Minimum Balance
1.00%	1.00%	$500-1,999
1.24%	1.25%	$2,000-9,999
1.49%	1.50%	$10,000-24,999
1.74%	1.75%	$25,000-49,999
2.32%	2.35%	$50,000+

Dividends paid monthly.

Smart Savers & Youth Savers
Account Type	Rate	APY	Minimum Balance
Smart Savers 1 Year Term	1.74%	1.75%	$50.00
Youth Savers 5 Year Term	1.98%	2.00%	$50.00

Dividends paid monthly.
Deposits are accepted and encouraged for the Smart and Youth Savers

Share Certificates
Term	Rate	APY	Minimum Balance
6 months	1.88%	1.90%	$500.00
5 months**	7.72%	8.02%	$500.00
9 month special	2.96%	3.00%	$500.00
12 months	2.03%	2.05%	$500.00
18 months no-penalty	1.88%	1.90%	$500.00
24 months	2.08%	2.10%	$500.00
802 days	3.34%	3.40%	$500.00
36 months	2.08%	2.10%	$500.00
48 months	2.18%	2.20%	$500.00
60 months	2.23%	2.25%	$500.00

Dividends paid monthly.

APY = Annual Percentage Yield
Rates are subject to change
**APY= Annual Percentage Yield. Funds must qualify as new money, which implies that these funds are not currently held in any account with 802 Credit Union. An early termination fee of 90 days of interest will apply. Fees may reduce balance. Minimum deposit $500. Maximum deposit $5,000 per member. May end at any time. Share account required. CD will automatically renew at maturity into a standard 6 month CD at the current rate in effect at the time of renewal unless you instruct us otherwise. Rates are subject to change at any time. Additional terms and conditions apply. Visit our share certificates page for full details.