Deposit Rates

Your checking and savings accounts are the bedrock of your personal finances. Of course, you want strong rates that reward your efforts. As a credit union owned by its members, Scient FCU can offer highly competitive rates on deposit accounts so your money can continue growing. 

Rates effective as of March 8, 2021

Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance How to Open
Share Savings 0.05% 0.05% $5

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Change Maker Savings Account 1.00% 1.00% $0

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Club Account 0.05% 0.05% $0

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Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance Minimum Balance to Earn Rate

How to Open

Interest Checking 0.10% 0.10% $0 $2,500

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*APY= Annual Percentage Yield. Interest earned is based on Average Daily Balance for the month. Earn a dividend rate of 0.10% APY when the average daily balance is $2,500 or greater. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. No dividend is earned when the average daily balance is less than $2,500. If the monthly average balance falls below $1,000, then a $5 monthly service charge will apply. A monthly maintenance fee will be applied if the primary member is not enrolled in Scient eStatements thru online banking. This fee is waived if the primary member is under the age of 18 or over the age of 65.

**Excludes surcharge imposed by the owner of foreign ATMs. Other terms and conditions may apply. Federally insured by NCUA.

Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance How to Open
Money Market 0.05% 0.05% $0 - 2,499.99

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Money Market 0.05% 0.05% $2,500 - 24,999.99

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Money Market 0.10% 0.10% $25,000 - 74,999.99

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Money Market 0.15% 0.15% $75,000 - 249,999.99

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Money Market 0.20% 0.20% $250,000 and up

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Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.

Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance

How to Open

Premium Money Market 0.05% 0.05% $0 - 2,499.99

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Premium Money Market 0.10% 0.10% $2,500 - 24,999.99

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Premium Money Market 0.15% 0.15% $25,000 - 99,999.99

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Premium Money Market 0.30% 0.30% $100,000 - 249,999.99

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Premium Money Market 0.20% 0.20% $250,000 and up

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Rates subject to change without notice. Minimum amount to open a Premium Money Market Account is $25,000. Limit one Premium Money Market account per Social Security number. Interest earned is based on Average Daily Balance for the month. The Premium Money Market account is a split rate tiered savings account where you earn the stated Annual Percentage Yield (APY) only for the account balance within each tier. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. Other terms and conditions may apply. 

Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance

How to Open

3 Month 0.15% 0.15% $500

Call us at 877-860-6928 or Email Us

6 Month 0.20% 0.20% $500

Call us at 877-860-6928 or Email Us

9 Month 0.25% 0.25% $500

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12 Month 0.30% 0.30% $500

Call us at 877-860-6928 or Email Us

24 Month 0.40% 0.40% $500

Call us at 877-860-6928 or Email Us

36 Month 0.60% 0.60% $500

Call us at 877-860-6928 or Email Us

48 Month 0.65% 0.65% $500

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60 Month 0.75% 0.75% $500

Call us at 877-860-6928 or Email Us

Rates effective April 1, 2021, and subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.

Available as Traditional, Roth or Educational/Coverdell
Term Dividend Rate Annual Percentage Yield (APY) Minimum Balance

How to Open

12 Month 0.30% 0.30% $500

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Special 12-month* 0.60% 0.60% $1000

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24 Month 0.50% 0.50% $500

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Special 24-month* 0.75% 0.75% $1000

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36 Month 0.70% 0.70% $500

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48 Month 0.75% 0.75% $500

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60 Month 0.85% 0.85% $500

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*APY = Annual Percentage Yield. Stated APY is effective March 1 – May 17, 2021 only. Stated APY is valid on the special 12- and 24-month IRA and ESA Share Certificates only. Minimum balance is $1,000; maximum is $250,000 in existing or new deposits only to the special IRA and ESA Share Certificates. Limit one special IRA and ESA Share Certificate per Social Security number.  Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. This is a limited time offer and may be canceled at any time. Other terms and conditions may apply. 

Rates effective as of August 20, 2020. Rates subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.

Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance

How to Open

Traditional IRA Share Savings 0.10% 0.10% $0

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Roth IRA Share Savings 0.10% 0.10% $0

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Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.

Product Dividend Rate Annual Percentage Yield (APY) Minimum Balance How to Open
Coverdell Educational Share Savings 0.10% 0.10% $0

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Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.

Scient FCU is a full-service credit union with branches in Groton and New Haven Connecticut.

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