Deposit Rates

Share Savings,Share Draft (Checking),Share Certificates,Jumbo Share Certificates

Effective: October 1, 2020

DIVIDEND RATES

Share Savings
Share Type Rate (APR) Annual Percentage Yield (APY)*
Regular Shares
$5 to $24,999 0.01% 0.01%
$25,000 & Over 0.03% 0.03%
Club Shares
$5.00 to $24,999 0.01% 0.01%
$25,000 & Over 0.03% 0.03%
Money Market ^
$5,000 to $24,999 0.01% 0.01%
$25,000 & Over 0.03% 0.03%
IRA Accounts
Traditional IRA 0.03% 0.03%
Roth IRA 0.03% 0.03%
Coverdell ESA (Education Savings Account) 0.03% 0.03%
Kasasa Saver ^^
$0.01 to $20,000 0.25% 0.25%
$20,000 & Over 0.33% 0.33%
Non-Qualifying Accounts 0.05% 0.05%
1 $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^^ For KASASA products, please refer to a DSPFCU team member for details.
Share Draft (Checking)
Share Draft Type Rate (APR) Annual Percentage Yield (APY)*
Regular Share Draft 0.01% 0.01%
Kasasa Cash Checking ^^
$0.01 to $7,500 1.00% 1.00%
$7,500 & Over 0.42% 0.42%
Non-Qualifying Accounts 0.05% 0.05%
KASASA Cash Back® Checking ^^
3.00% cash back up to a $9.00 reward
1 $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^^ For KASASA products, please refer to a DSPFCU team member for details.
Share Certificates
Share Certificate Type Rate (APR) Annual Percentage Yield (APY)*
$500 Minimum **
6 Months 0.05% 0.05%
12 Months 0.15% 0.15%
18 Months 0.15% 0.15%
24 Months 0.20% 0.20%
36 Months 0.25% 0.25%
48 Months 0.35% 0.35%
60 Months 0.40% 0.40%
2 Minimum daily balance of $500 is required.
Penalties apply for early withdrawal.
Jumbo Share Certificates
Share Certificate Type Rate (APR) Annual Percentage Yield (APY)*
$25,000 Minimum **
6 Months 0.10% 0.10%
12 Months 0.20% 0.20%
18 Months 0.20% 0.20%
24 Months 0.25% 0.25%
36 Months 0.30% 0.30%
48 Months 0.40% 0.40%
60 Months 0.45% 0.45%
3 Minimum daily balance of $25,000 is required.
Penalties apply for early withdrawal.
1 $5,000 minimum daily balance required to earn rate.
3 withdrawals per month, a minimum of $500 per transactions
^^ For KASASA products, please refer to a DSPFCU team member for details.
IRA Share Certificates
Share Certificate Type Rate (APR) Annual Percentage Yield (APY)*
$500 Minimum **
6 Months 0.05% 0.5%
9 Months 0.05% 0.5%
12 Months 0.15% 0.15%
18 Months 0.15% 0.15%
24 Months 0.20% 0.20%
36 Months 0.25% 0.25%
48 Months 0.35% 0.35%
60 Months 0.40% 0.40%
2 Minimum daily balance of $500 is required.
Penalties apply for early withdrawal.
Jumbo IRA Share Certificates
Share Certificate Type Rate (APR) Annual Percentage Yield (APY)*
$25,000 Minimum **
9 Months 0.10% 0.10%
12 Months 0.20% 0.20%
18 Months 0.20% 0.20%
24 Months 0.25% 0.25%
36 Months 0.30% 0.30%
48 Months 0.40% 0.40%
60 Months 0.45% 0.45%
3 Minimum daily balance of $25,000 is required.
Penalties apply for early withdrawal.
The Board of Directors has the right to change all rates without advance notice.
Fees could reduce earnings.

APR = Annual Percentage Rate APY* = Annual Percentage Yield