Rates

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*Rates effective:  04/20/2018

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
0.20%0.20%$ 25,000 - $ 74,999.99
0.30%0.30%$ 75,000 - $ 249,999.99
0.45%0.45%$ 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.
ProductRateAnnual Percentage Yield (APY)Minimum Balance Tiers
Premium Money Market0.05%0.05%$ 0 - 2,499.99
0.05%0.05%$ 2,500 - $ 24,999.99
0.50%0.50%$ 25,000 - $ 99,999.99
1.49%1.50%$ 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
15 Month2.05%On balances over $1,000†Call us at 1.877.860.6928 or
Email Us
25 Month2.50%On balances over $1,000††Call us at 1.877.860.6928 or
Email Us
*APY = Annual Percentage Yield. †2.05% APY is valid on the special 15-month Share Certificate for new deposits to Scient Federal Credit Union only. Minimum balance is $1,000, maximum is $250,000. ††2.50% APY is valid on the special 25-month Share Certificate for new deposits to Scient Federal Credit Union only. Minimum balance is $1,000, maximum is $250,000. These promotional rates are limited to one special Share Certificate per Social Security number. New money only. Stated APY is effective March 1, 2018 through April 30, 2018 only. 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.
 

Share Certificates - Regular Rates

TermDividendAPY*Min. BalanceHow to Open
3 Month0.05%0.05%$500Call us at 1.877.860.6928 or
Email Us
6 Month0.10%0.10%$500Call us at 1.877.860.6928 or
Email Us
9 Month 0.15% 0.15%$500Call us at 1.877.860.6928 or
Email Us
12 Month0.25%0.25%$500Call us at 1.877.860.6928 or
Email Us
24 Month0.45%0.45%$500Call us at 1.877.860.6928 or
Email Us
36 Month0.94%0.94%$500Call us at 1.877.860.6928 or
Email Us
48 Month1.09%1.10%$500Call us at 1.877.860.6928 or
Email Us
60 Month1.29%1.30%$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

IRA - Special Rates

TermDividendAPY*Apply
50 Month2.47%2.50%Contact Us
*APY=Annual Percentage Yield. Stated APY is effective from February 5, 2018 through April 17, 2018 only. Stated APY is valid on the special 50 month IRA share certificate only. Minimum balance is $500, maximum is $250,000 in special IRA share certificate. Limit one special IRA share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. This is a limited time offer and may be canceled at any time. Other terms and conditions may apply.
TermDividend RateAnnual Percentage Yield (APY)Minimum BalanceHow to Open
12 Month0.40%0.40%$ 500Contact Us
24 Month0.60%0.60%$ 500Contact Us
36 Month1.14%1.15%$ 500Contact Us
48 Month 1.34%1.35%$ 500Contact Us
60 Month1.59%1.60%$ 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.