Dividend Rates

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With our competitive dividends, your money will thrive!

Regular Savings Account Rates

Balance Tiers	Dividend Rate	APY**
$100.00 - $5,000.00	0.15%	0.15%
$5,000.01 - $15,000.00	0.20%	0.20%
$15,000.01 - $50,000.00	0.25%	0.25%
$50,000.00+	0.40%	0.40%
Minimum balance to earn APY** is $100.00 Make up to 2 withdraws per month Unlimited deposits Open up to 4 savings per account to support various savings goals Rates are variable and subject to change View Details

Club Account Rates

Type	Dividend Rate	APY**
Christmas Club	0.20%	0.20%
Vacation Club	0.20%	0.20%
There is no minimum balance requirement to earn APY** Unlimited deposits Rates are variable and subject to change Christmas Club - the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. Vacation Club - the entire balance will be transferred to another account of yours on or after June 1 and the account will remain open. View Details

Checking Account Rates

Type	Dividend Rate	APY**
Regular Checking	0.05%	0.05%
Youth Checking	0.05%	0.05%
Senior Checking	0.05%	0.05%
Empower Checking	0.05%	0.05%
Minimum balance to earn APY** is $500.00 Dividends credited monthly Unlimited transactions (excluding Empower Checking) Open multiple checking accounts to support your budget style View Details

Share Certificate Rates — $1,000.00 – $10,000.00

Type	Dividend Rate	APY**
6 months	3.75%	3.75%
12 months	3.50%	3.50%
24 months	3.25%	3.25%
Minimum balance to earn APY** is $1,000.00 Dividends are credited to your savings account monthly APY is fixed for the term of the certificate Auto renewal is available but rate is subject to change Early withdraw penalty may apply Fees could reduce earnings on the account View Details

Share Certificate Rates — $10,000.01+

Type	Dividend Rate	APY**
6 months	3.75%	3.75%
12 months	3.50%	3.50%
24 months	3.25%	3.25%
Minimum balance to open is $10,000.01 Dividends are credited to your savings account monthly APY is fixed for the term of the certificate Auto renewal is available but rate is subject to change Early withdraw penalty may apply Fees could reduce earnings on the account View Details

IRA Savings Rates

Type	Dividend Rate	APY**
IRA Savings	1.50%	1.51%
Minimum balance to earn APY** is $100.00 Dividends are credited to your IRA share monthly Available for Traditional, Roth, and SEP IRAs Rate is subject to change Early withdrawal penalty may apply Fees could reduce earnings on the account View Details

**APY = Annual Percentage Yield. | Rates are effective as of 01-01-2026.
Rates are subject to change at any time and are not guaranteed.
Sevenfold Federal Credit Union is federally insured by the National Credit Union Administration.

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