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Rates

Deposit Rates

Rates effective  November 1, 2018

Certificate and IRA Promo

Rain or shine, in San Diego the weather still calls for high surf and high rates!

For new members, click on the Open Membership button to get started. Existing members can simply click on the Add Account button.

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CERTIFICATES & IRA CERTIFICATES PROMO
  $500 - $9,999.99 $10,000 - $89,999.99 $90,000.00 and above
TERM/MONTHS Dividend Rate APY Dividend Rate APY Dividend Rate APY
33 2.23% 2.25% 2.48% 2.50% 2.72% 2.75%
22 2.48% 2.50% 2.48% 2.50% 2.48% 2.50%
11 2.23% 2.25% 2.23% 2.25% 2.23% 2.25%
             
TERM/MONTHS Dividend Rate APY        
11 (Min. $1,000 NEW MONEY*) 2.48% 2.50%        
22 (Min. $1,000 NEW MONEY*) 2.72% 2.75%        
             

*APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. Minimum daily balances must be maintained to earn dividends and avoid closure. Upon maturing an 11 month certificate will automatically rollover to a 12 month certificate, a 22 month to a 24 month, and a 33 month to a 36 month. A minimum opening deposit of $10,000 allows you to choose any term between 334 and 364 days. See your account disclosure for full details.
*11 and 22 Month New Money - Earn the stated rate when opened with outside funds.


SAVINGS/MONEY MARKET ACCOUNTS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
Regular Share/Savings $100 - $4,999.99 .05% .05%
  $5000 - $9,999.99 .05% .05%
  $10,000 - $24,999.99 .05% .05%
  $25,000 - $49,999.99 .05% .05%
  $50,000 and above .05% .05%
Money Market $1,000 - $9,999.99 .05% .05%
  $10,000 - $24,999.99 .10% .10%
 (withdrawal limitations apply) $25,000 - $49,999.99 .15% .15%
  $50,000 - $89,999.99 .20% .20%
  $90,000 and above .25% .25%
Daily IRA/Education Savings $25 - $4,999.99 .05% .05%
  $5,000 - $9,999.99 .05% .05%
  $10,000 - $24,999.99 .05% .05%
  $25,000 - $49,999.99 .05% .05%
  $50,000 and above .05% .05%
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.
 
SMART START PROGRAM SAVINGS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
Aspire Savings $100 - $499.99 .05% .05%
  $500 - $999.99 .05% .05%
  $1000 - $2,499.99 .05% .05%
  $2,500 - $4,999.99 .05% .05%
  $5,000 and above .05% .05%
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Available to members between the ages of 13 to 23.
 
CHECKING ACCOUNTS
ACCOUNT TYPE Average Daily Balance Dividend Rate APY
Rewards Checking <$10,000.00 .00% .00%
(Minimum average daily balance $10,000 to earn dividends and avoid a monthly service change) $10,000 - $24,999.99 .05% .05%
  $25,000 - $49,999.99 .05% .05%
  $50,000 - $89,999.99 .05% .05%
  $90,000 and above .05% .05%
Dividend Checking $2,500 and above .05% .05%
APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.    
 

 

 

CERTIFICATES & IRA CERTIFICATES
  $500 - $9,999.99 $10,000 - $89,999.99 $90,000.00 and above
TERM/MONTHS Dividend Rate APY Dividend Rate APY Dividend Rate APY
60 2.43% 2.45% 2.48% 2.50% 2.52% 2.55%
36 2.13% 2.15% 2.18% 2.20% 2.23% 2.25%
24  1.69% 1.70% 1.74% 1.75% 1.79% 1.80%
18 1.49% 1.50% 1.54% 1.55% 1.59% 1.60%
12 1.39% 1.40% 1.44% 1.45% 1.49% 1.50%
8 1.24% 1.25% 1.29% 1.30% 1.34% 1.35%
6 1.24% 1.25% 1.29% 1.30% 1.34% 1.35%
3* (91 Day) 1.15% 1.15% 1.20% 1.20% 1.24% 1.25%
APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. A minimum opening deposit of $10,000 allows you to choose any term between 180 and 1855 days. See your account disclosure for full details.

*3-month/91 day term not available on IRA certificates.
 

 

 

 

 

 

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