Saratoga's Community Federal Credit Union - Open an Account

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	1.094%	1.10%
$2,500.00 to $9,999.99	1.223%	1.23%
$10,000.00 to $24,999.99	1.391%	1.40%
$25,000.00 to $249,999.99	1.785%	1.80%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

Certificate Accounts
Term	Dividend Rate / APY*	Member Loyalty Certificate APY⁺ Available for money on deposit as of 1/1/2023
Certificate of Deposit Special 30-60 Days Valid on new deposits to the Credit Union only.	Dividend Rate 3.93% APY* 4.00%	N/A
3 Months 90 to 179 days	Dividend Rate 0.05% APY* 0.05%	Dividend Rate 1.17% APY* 1.18%
6 Months 180 to 359 days	Dividend Rate 0.10% APY* 0.10%	Dividend Rate 1.44% APY* 1.45%
12 Months 360 to 719 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.39% APY* 1.40%
2 Years 720 to 1,079 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.54% APY* 1.55%
3 Years 1,080 to 1,439 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
4 Years 1,440 to 1,799 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
5 Years 1,800 days	Dividend Rate 0.20% APY* 0.20%	Dividend Rate 1.69% APY* 1.70%
Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, the amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

CHECKING Products
	Minimum Balance Requirement	APY*
Basic Checking	none	0.00%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

IRA Certificate Accounts
Term	APY*
1 Month 30 to 59 days	0.05%
2 Months 60 to 89 days	0.05%
3 Months 90 to 119 days	0.05%
4 Months 120 to 179 days	0.05%
6 Months 180 to 359 days	0.10%
12 Months 360 to 719 days	0.15%
2 Years 720 to 1,079 days	0.15%
3 Years 1,080 to 1,439 days	0.15%
4 Years 1,440 to 1,799 days	0.15%
5 Years 1,800 to 2,159 days	0.20%
6 Years 2,160 to 2,519 days	0.20%
7 Years 2,520 days	0.20%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends. The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 days dividends. Balances in excess of $250,000 are not insured by NCUSIF. Early withdrawal penalty could reduce the earnings on the account.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Holiday Club	None
$0.01 to $5,000		0.25%
Above $5,000		0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.