Rates

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*Rates effective:  02/17/2019

Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Share Savings0.05%0.05%$5Open Now
Open Now
Rates subject to change without notice. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
Checking Accounts
Money Market Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Money Market0.05%0.05%$ 0 - 2,499.99Open Now
Open Now
0.15%0.15%$ 2,500 - $ 24,999.99
0.25%0.25%$ 25,000 - $ 74,999.99
0.35%0.35%$ 75,000 - $ 249,999.99
0.50%0.50%$ 250,000 and up
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.
ProductDividend RateAnnual Percentage Yield (APY)Minimum Balance TiersHow to Open
Premium Money Market0.05%0.05%$ 0 - 2,499.99Open Now
Open Now
0.10%0.10%$ 2,500 - $ 24,999.99
0.60%0.60%$ 25,000 - $ 99,999.99
1.98%2.00%$ 100,000 - $ 249,999.99
0.25%0.25%$ 250,000 and up
Club Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Club Account0.05%0.05%$0Open Now
Open Now
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.
Share Certificates
 

Share Certificate - Special Rate

TermAPY* How to Open
9 Month2.75%On balances over $1000Call us at 1.877.860.6928 or
Email Us
18 Month3.00%On balances over $1000Call us at 1.877.860.6928 or
Email Us
*APY = Annual Percentage Yield. 2.75% APY is valid on the special 9-month Share Certificate for new deposits only to Scient Federal Credit Union opened January 1–February 28, 2019. Minimum balance is $1,000, maximum balance is $250,000 for new money. 3.00% APY is valid on the special 18-month Share Certificate for new deposits only to Scient Federal Credit Union opened January 1–February 28, 2019. Minimum balance is $1,000, maximum balance is $250,000. Promotional rates are limited to one special 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. See credit union for details.
 

Share Certificates - Regular Rates

TermDividendAPY*Min. BalanceHow to Open
3 Month0.15%0.15%$500Call us at 1.877.860.6928 or
Email Us
6 Month0.25%0.25%$500Call us at 1.877.860.6928 or
Email Us
9 Month 0.30% 0.30%$500Call us at 1.877.860.6928 or
Email Us
12 Month0.40%0.40%$500Call us at 1.877.860.6928 or
Email Us
24 Month0.60%0.60%$500Call us at 1.877.860.6928 or
Email Us
36 Month1.04%1.04%$500Call us at 1.877.860.6928 or
Email Us
48 Month1.19%1.20%$500Call us at 1.877.860.6928 or
Email Us
60 Month1.34%1.35%$500Call us at 1.877.860.6928 or
Email Us
*APY=Annual Percentage Yield. Rates subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.
IRA Share Certificates
TermDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
12 Month0.50%0.50%$ 500Contact Us
24 Month0.70%0.70%$ 500Contact Us
36 Month1.24%1.25%$ 500Contact Us
48 Month 1.44%1.45%$ 500Contact Us
60 Month1.64%1.65%$ 500Contact Us
Available as Traditional, Roth or Educational/Coverdell
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.
IRA Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Traditional IRA Share Savings0.10%0.10%$0Contact Us
Roth IRA Share Savings0.10%0.10%$0Contact Us
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.
Coverdell Education Share Savings Accounts
ProductDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
Coverdell Educational Share Savings0.10%0.10%$0Contact Us
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.

On February 17, Online Banking may be unavailable from 2:00am - 6:00am EST due to scheduled maintenance. On Monday, February 18, Scient Service Centers will be closed for Presidents' Day.