Certificate and IRA Rates
Certificate Specials*
| Accounts | Interest Rate | APY* | Maximum Balance |
|---|---|---|---|
| 6-Month Certificate Special | 3.92% | 4.000% | $100,000.00 | IRA CD Special 12 Months | 4.500% | 4.594% | $250,000.00 |
*Only one of each CD Special per account. IRA CD requires IRA funds.
Certificates
| Accounts | Interest Rate | APY* | Effective Date |
|---|---|---|---|
| 6 Month CD | 1.150% | 1.156% | November 1, 2024 |
| 9 Month CD | 1.150% | 1.156% | November 1, 2024 |
| 12 Month CD | 1.150% | 1.156% | November 1, 2024 |
| 18 Month CD | 1.200% | 1.207% | November 1, 2024 |
| 24 Month CD | 1.250% | 1.257% | November 1, 2024 |
| 30 Month CD | 1.250% | 1.257% | November 1, 2024 |
| 36 Month CD | 1.300% | 1.308% | November 1, 2024 |
| 48 Month CD | 1.350% | 1.358% | November 1, 2024 |
| 60 Month CD | 1.400% | 1.409% | November 1, 2024 |
Rates subject to change without notice, contact the office to verify that the rates above are our current offering.
*APY-Annual Percentage Yield
Minimum Certificate Amount = $1,000.00
Interest Paid Monthly to Certificate
Penalty for Early Withdrawal: All or any portion of the principal may be withdrawn prior to maturity of any term only with the credit union’s consent given at the time withdrawal is sought. If such consent is given, the withdrawn amount will be subject to a substantial penalty equal to the interest on the amount withdrawn at the simple interest rate of this account, but shall not be more than 90 days worth of interest nor less than five (5) days of interest on the withdrawn amount.
NON-TRANSFERABLE
IRA - Savings
| Account Type | Interest Rate | APY* | Effective Date |
|---|---|---|---|
| 1 Year CD | 1.250% | 1.257% | November 1, 2024 |
| 2 Year CD | 1.500% | 1.510% | November 1, 2024 |
| 3 Year CD | 1.750% | 1.764% | November 1, 2024 |
Minimum Amount to open and earn APY = $100.00
Penalty for Early Withdrawal on CDs: All or any portion of the principal may be withdrawn prior to maturity of any term only with the credit union’s consent given at the time withdrawal is sought. If such consent is given, the withdrawn amount will be subject to a substantial penalty equal to the interest on the amount withdrawn at the simple interest rate of this account, but shall not be more than 90 days worth of interest nor less than five (5) days of interest on the withdrawn amount.
| Account Type | Interest Rate | APY* | Effective Date |
|---|---|---|---|
| IRA – Traditional, Roth, Education (Paid Monthly) < $30,000 |
1.150% | 1.156% | November 1, 2024 |
| IRA – Traditional, Roth, Education (Paid Monthly) < $50,000 |
1.150% | 1.156% | November 1, 2024 |
| IRA – Traditional, Roth, Education (Paid Monthly) < $70,000 |
1.200% | 1.207% | November 1, 2024 |
| IRA – Traditional, Roth, Education (Paid Monthly) < $90,000 |
1.250% | 1.257% | November 1, 2024 |
| IRA – Traditional, Roth, Education (Paid Monthly) $90,000 + |
1.250% | 1.257% | November 1, 2024 |
*APY-Annual Percentage Yield
Minimum Balance to open a BCSCU Savings IRA – N/A
Rates may be changed monthly at the discretion of the Board of Directors.
Any applicable fees may reduce the earnings on the above accounts.