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Share Rates

Rates Effective 03-01-2024

Rates subject to change at any time.
Fees may reduce earnings on accounts.

Share Rates

Share Type Dividend Rate Annual Percentage Yield
Regular Shares 0.50% 0.50%
Christmas Club 0.50% 0.50%
Heritage Checking
(with balance $100 or higher)
0.00% 0.00%
Student Checking
(with balance $100 or higher)
0.00% 0.00%
Money Market Checking - $5,000 - $9,999.99 1.00% 1.00%
Money Market Checking - $10,000 - $24,999.99
1.24% 1.25%
Money Market Checking - $25,000 +
1.49% 1.50%
Money Market Savings - $10,000 - $24,999.99
1.49% 1.50%
Money Market Savings - $25,000 +
1.73% 1.75%



Share Certificate Rates

Open any share certificate with a minimum balance of $500 and earn the following Annual Percentage Yields. If we consent to a request for a withdrawal that is otherwise not permitted, you will be subject to an early withdrawal penalty of 90 days of dividends.

Conventional Share Certificates

Term Dividend Rate Annual Percentage Yield
48 Months 2.96% 3.00%
36 Months 2.47% 2.50%
24 Months 2.22% 2.25%
12 Months 1.98% 2.00%
6 Months 1.49% 1.50%



Student Growth Share Certificates

$50 minimum to open. Certificate available to members age 16-22 with an ISPFCU Student Checking account. Funds can be added to purchase amount of the certificate in any denomination at any time. If we consent to a request for a withdrawal that is otherwise not permitted, you will be subject to an early withdrawal penalty of 90 days of dividends.

Term Dividend Rate Annual Percentage Yield
24 Months 2.22% 2.25%
18 Months 2.22% 2.25%
12 Months 1.98% 2.00%
6 Months 1.49% 1.50%
Equal Housing Lender. We do business in accordance with the Federal FairHousing Law and the Equal Credit Opportunity Act.

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