Savings Rates

All rates are effective May 13, 2024

Regular Shares
RateAPY Minimum Balance

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

Club Accounts
RateAPYMinimum Balance

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

IRA Shares
Rate APYMinimum Balance

Dividends paid monthly.

IRA Certificates
Term Rate APYMinimum Balance
6 months1.69%1.70%$500.00
12 months1.98%2.00%$500.00
18 months1.98%2.00%$500.00
24 months 1.98%2.00%$500.00
36 months 3.44%3.50%$500.00
48 months2.08%2.10%$500.00
60 months2.13%2.15%$500.00
Money Markets
Rate APYMinimum Balance
1.00%1.00% $500-1,999
1.19% 1.20% $2,000-9,999
1.78% 1.80% $25,000-49,999
2.37% 2.40% $50,000+

Dividends paid monthly.

Smart Savers & Youth Savers
Account Type RateAPYMinimum Balance
Smart Savers 1 Year Term1.59%1.60%$50.00
Youth Savers 5 Year Term2.03%2.05%$50.00

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

Share Certificates
TermRateAPYMinimum Balance
6 months 1.69%1.70%$500.00
New money only 7 months*4.64%4.75%$500.00
9 month special**4.16%4.25%$500.00
12 months1.88%1.90%$500.00
18 months no-penalty1.59%1.60%$500.00
24 months 1.88%1.90%$500.00
802 days4.26%4.35%$500.00
36 months1.98%2.00%$500.00
48 months1.98%2.00%$500.00
60 months2.03%2.05%$500.00

Dividends paid monthly.

APY = Annual Percentage Yield
Rates are subject to change
*Funds must qualify as new money, which implies that these funds are not currently held in any account with 802Credit Union. Early termination fees will apply. Fees may reduce earnings. Limited time offer – may end at any time. Share account required. Additional terms and conditions apply. Visit our share certificates page for full details.
**Early termination fees will apply. Fees may reduce earnings. Minimum deposit $500. Maximum deposit is $50,000 per individual. Limited time offer – 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