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Deposit Rates

Table data for Saving Accounts
 Effective Date: January 1, 2026
Rate APY1 Minimum Balance2 Alert Me
Share Account 0.01% 0.01% $5.00 Receive a notification when this rate changes
MyHoliday Savings Club 0.01% 0.01% $1.00 Receive a notification when this rate changes
MyVacation Savings Club 0.01% 0.01% $1.00 Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at SCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for SCU Direct Savings Account
 Effective Date: January 1, 2026
Rate1 APY2 Minimum Balance3 Alert Me
Tier 1 3.69% 3.75% $10.00 - $9,999.99
Tier 2 2.47% 3.75% - 2.75% $10,000.00 - $49,999.99
Tier 3 1.00% 2.75% - 1.35% $50,000.00 - $249,999.99
Tier 4 0.05% 1.35% - 0.05% $250,000.00+
  • 1SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300

    {SCU Direct Savings Account}↵
  • 2APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 3Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for MyMoney Market
 Effective Date: December 19, 2025
Rate APY1 Minimum Balance2 Alert Me
Tier 1 0.03% 0.03% $5.00 - $2,499.99 Receive a notification when this rate changes
Tier 2 0.50% 0.50% $2,500 - $49,999.99 Receive a notification when this rate changes
Tier 3 1.24% 1.25% $50,000+ Receive a notification when this rate changes

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Table data for MyPremium Money Market
 Effective Date: January 1, 2026
Rate APY1 Minimum Balance2 Alert Me
Tier 1 2.71% 2.75% $50,000 - $249,999.99 Receive a notification when this rate changes
Tier 2 2.71% 2.75% $250,000 - $499,999.99 Receive a notification when this rate changes
Tier 3 2.96% 3.00% $500,000 - $999,999.99 Receive a notification when this rate changes
Tier 4 2.96% 3.00% $1,000,000 - $2,499,999.99 Receive a notification when this rate changes
Tier 5 2.96% 3.00% $2,500,000+ Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for Checking Accounts
 Effective Date: January 1, 2026
MyInterest Checking Rate APY1 Minimum Balance2 Alert Me
Tier 1 0.00% 0.00% $5.00 - $499.99
Tier 2 0.00% 0.00% $500 - $4,999.99
Tier 3 0.01% 0.01% $5,000 - $9,999.99
Tier 4 0.05% 0.05% $10,000+
  • 1APY = Annual Percentage Yield↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply.↵

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Table data for Certificates of Deposit Specials
 Effective Date: December 19, 2025
Rate APY1 Minimum Balance2 Alert Me
9 Month Special 3.20% 3.25% $500.00 Receive a notification when this rate changes
15 Month Special 3.20% 3.25% $500.00 Receive a notification when this rate changes
30 Month Special 3.20% 3.25% $500.00 Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for Certificates of Deposit
 Effective Date: November 6, 2025
Rate APY1 Minimum Balance2 Alert Me
3 Months 2.96% 3.00% $500.00 Receive a notification when this rate changes
6 Months 3.45% 3.50% $500.00 Receive a notification when this rate changes
12 Months 3.20% 3.25% $500.00 Receive a notification when this rate changes
18 Months 3.20% 3.25% $500.00 Receive a notification when this rate changes
24 Months 3.20% 3.25% $500.00 Receive a notification when this rate changes
36 Months 2.96% 3.00% $500.00 Receive a notification when this rate changes
48 Months 2.96% 3.00% $500.00 Receive a notification when this rate changes
60 Months 2.96% 3.00% $500.00 Receive a notification when this rate changes
  • 1APY = Annual Percentage Yield. All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for 36 Month Step Up Certificates of Deposit
 Effective Date: December 31, 2025
Rate1 APY2 Minimum Balance3 Alert Me
36 Month Step Up Year 1 3.00% 3.30% $500.00 Receive a notification when this rate changes
36 Month Step Up Year 2 3.25% 3.30% $500.00 Receive a notification when this rate changes
36 Month Step Up Year 3 3.50% 3.30% $500.00 Receive a notification when this rate changes
  • 1Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed.↵
  • 2APY = Annual Percentage Yield. All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.↵
  • 3Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply.↵

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Table data for IRA Certificates & IRA Share Accounts (Traditional Roth Coverdell Educational Account)
 Effective Date: December 19, 2025
Rate APY1 Minimum Balance2 Alert Me
IRA Share Account 0.05% 0.05% $5.00
IRA Specials Alert Me
9 Month IRA Special 3.20% 3.25% $250.00
15 Month IRA Special 3.20% 3.25% $250.00
30 Month IRA Special 3.20% 3.25% $250.00
IRA Certificates Alert Me
12 Months IRA Certificate 3.20% 3.25% $250.00
18 Months IRA Certificate 3.20% 3.25% $250.00
24 Months IRA Certificate 3.20% 3.25% $250.00
36 Months IRA Certificate 2.96% 3.00% $250.00
48 Months IRA Certificate 2.96% 3.00% $250.00
60 Months IRA Certificate 2.96% 3.00% $250.00
IRA Step Up Certificate Alert Me
36 Month Step Up Certificate, Year 1 3.00% 3.30% $500.00
36 Month Step Up Certificate, Year 2 3.25% 3.30% $500.00
36 Month Step Up Certificate, Year 3 3.50% 3.30% $500.00
  • 1APY = Annual Percentage Yield↵
  • 2Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply.↵

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Your money is 100% safe. 100% insured.

SCU Credit Union is insured by both the National Credit Union Association (NCUA) and Massachusetts Credit Union Share Insurance Corporation (MSIC). Your money is 100% insured regardless of the amount at SCU Credit Union. MSIC provides Excess Share and Deposit Insurance to all members of SCU Credit Union automatically. The coverage is a benefit of membership and comes at no direct cost to you. MSIC insures the portion of any legal, verifiable share or deposit account that exceeds NCUSIF coverage with no limit.