APY = Annual Percentage Yield. Rates and APYs accurate as of November 6, 2023.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Cash Checking Kasasa* Learn More

Balance Minimum Opening Deposit APY
0 - $15,000 $25 5.00%
$15,000+ $25 .40%
All balances if qualifications not met $25 0.05%

Cash Checking Calculator

0 - $15,000
Minimum Opening Deposit$25
APY5.00%
$15,000+
Minimum Opening Deposit$25
APY.40%
All balances if qualifications not met
Minimum Opening Deposit$25
APY0.05%

Qualifications

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Checking® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking

That’s it. Even if you don't meet your qualifications during the cycle, your Cash Checking® account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

The Saver Account Kasasa* Learn More

Balance Minimum Opening Deposit APY
0 - $100,000 $25 2.00%
$100,000+ $25 .40%
All balances if qualifications not met $25 0.05%
0 - $100,000
Minimum Opening Deposit$25
APY2.00%
$100,000+
Minimum Opening Deposit$25
APY.40%
All balances if qualifications not met
Minimum Opening Deposit$25
APY0.05%

Qualifications

Qualifying for your Cash Checking® or Cash Back Checking® rewards automatically qualifies you for the highest Saver® Account rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Checking® or Cash Back Checking® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Checking accounts are still free. Plus, you'll still earn our base dividend rate on The Saver®. And you can get right back to earning your full rewards the very next month.

Accounts

Account Type APY* Minimum Deposit
Regular Shares 0.05% $5
Christmas Club 0.10% No Minimum
IRA Shares 0.30% $25
Health Savings Account 0.30% $25
Regular Shares
APY*0.05%
Minimum Deposit$5
Christmas Club
APY*0.10%
Minimum DepositNo Minimum
IRA Shares
APY*0.30%
Minimum Deposit$25
Health Savings Account
APY*0.30%
Minimum Deposit$25

Tiered Money Market Accounts Learn More

APY* Minimum Deposit
0.75% $2,000 - $20,000
1.00% $20,000 - $100,000
1.25% $100,000 and up
0.75%
Minimum Deposit$2,000 - $20,000
1.00%
Minimum Deposit$20,000 - $100,000
1.25%
Minimum Deposit$100,000 and up

*Yields and rates are current as of date indicated, and are subject to change. A fee may be charged for withdrawal of a fixed term certificate or IRA prior to maturity.  Fees may reduce earnings on certain interest bearing instruments.

Business Tiered Money Market Account Learn More

APY* Minimum Deposit
2.02% $5,000 - $19,999.99
2.27% $20,000 - $99,999.99
2.79% $100,000 and up
2.02%
Minimum Deposit$5,000 - $19,999.99
2.27%
Minimum Deposit$20,000 - $99,999.99
2.79%
Minimum Deposit$100,000 and up

Certificates Learn More

 

Certificate Term APY* Minimum Deposit
6 Month High Yield 4.75% $1000
12 Month High Yield 3.75% $1000
12 Month/ JUMBO 4.00% $25,000
24 Month  4.00% $1000
24 Month/ JUMBO 4.05% $25,000
36 Month  4.00% $1000
36 Month/ JUMBO 4.05% $25,000
48 Month  3.75% $1000
48 Month/ JUMBO 3.80% $25,000
60 Month  3.75% $1000
60 Month/ JUMBO 3.80%  $25,000
1 Year IRA High Yield 4.25%  $500
1 Year IRA High Yield 4.30%  $25,000
2 Year IRA High Yield 4.00%  $500
2 Year IRA High Yield 4.05%  $25,000
3 Year IRA High Yield 4.00%  $500
3 Year IRA High Yield 4.05%  $25,000
1 Year Roth IRA High YLD 4.25%  $500
2 Year Roth IRA High YLD 4.00%  $500
2 Year Roth IRA High YLD 4.05%  $25,000
3 Year Roth Conv IRA 4.00%  $500
3 Year Roth Conv IRA 4.05%  $25,000
2 Year Education IRA 4.00%  $500
3 Year Education IRA 4.00% $500 

CD Calculator

6 Month High Yield
APY*4.75%
Minimum Deposit$1000
12 Month High Yield
APY*3.75%
Minimum Deposit$1000
12 Month/ JUMBO
APY*4.00%
Minimum Deposit$25,000
24 Month 
APY*4.00%
Minimum Deposit$1000
24 Month/ JUMBO
APY*4.05%
Minimum Deposit$25,000
36 Month 
APY*4.00%
Minimum Deposit$1000
36 Month/ JUMBO
APY*4.05%
Minimum Deposit$25,000
48 Month 
APY*3.75%
Minimum Deposit$1000
48 Month/ JUMBO
APY*3.80%
Minimum Deposit$25,000
60 Month 
APY*3.75%
Minimum Deposit$1000
60 Month/ JUMBO
APY*3.80% 
Minimum Deposit$25,000
1 Year IRA High Yield
APY*4.25% 
Minimum Deposit$500
1 Year IRA High Yield
APY*4.30% 
Minimum Deposit$25,000
2 Year IRA High Yield
APY*4.00% 
Minimum Deposit$500
2 Year IRA High Yield
APY*4.05% 
Minimum Deposit$25,000
3 Year IRA High Yield
APY*4.00% 
Minimum Deposit$500
3 Year IRA High Yield
APY*4.05% 
Minimum Deposit$25,000
1 Year Roth IRA High YLD
APY*4.25% 
Minimum Deposit$500
2 Year Roth IRA High YLD
APY*4.00% 
Minimum Deposit$500
2 Year Roth IRA High YLD
APY*4.05% 
Minimum Deposit$25,000
3 Year Roth Conv IRA
APY*4.00% 
Minimum Deposit$500
3 Year Roth Conv IRA
APY*4.05% 
Minimum Deposit$25,000
2 Year Education IRA
APY*4.00% 
Minimum Deposit$500
3 Year Education IRA
APY*4.00%
Minimum Deposit$500 

*Penalty for early withdrawl 

Loans

New Auto
APR* as low as6.50%
Used Auto
APR* as low as6.50%
Unsecured/Signature Loan
APR* as low as9.50%
Recreational Vehicles
APR* as low as7.00%
Share Draft Line of Credit
APR* as low as15.00%
Revolving Line of Credit
APR* as low as10.50%

Yields and rates are current as of date indicated, and are subject to change. A fee may be charged for withdrawal of a fixed term certificate or IRA prior to maturity.  Fees may reduce earnings on certain interest bearing instruments.

 

Annual Percentage Rates my be higher or lower depending on your credit history.  Loans are subject to underwriting.

 

For additional information concerning any of our rates please call us at 231-843-2323 or 1-866-570-7233.  You can also email us at information@safeharborcu.org.