Dividend Rates

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With our competitive dividends, your money will thrive!

Regular Savings Account Rates

Balance TiersDividend RateAPY**
$100.00 - $5,000.000.15%0.15%
$5,000.01 - $15,000.000.20%0.20%
$15,000.01 - $50,000.000.25%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
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Club Account Rates

TypeDividend RateAPY**
Christmas Club0.20%0.20%
Vacation Club0.20%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.
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Checking Account Rates

TypeDividend RateAPY**
Regular Checking0.05%0.05%
Youth Checking0.05%0.05%
Senior Checking0.05%0.05%
Empower Checking0.05%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
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Share Certificate Rates — $1,000.00 – $10,000.00

TypeDividend RateAPY**
6 months4.25%4.25%
12 months4.00%4.00%
24 months3.75%3.75%
  • 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
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Share Certificate Rates — $10,000.01+

TypeDividend RateAPY**
6 months4.25%4.25%
12 months4.00%4.00%
24 months3.50%3.50%
  • 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
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IRA Savings Rates

TypeDividend RateAPY**
IRA Savings1.50%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
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**APY = Annual Percentage Yield. | Rates are effective as of 04-01-2025.
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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