Rates Effective 04-01-2025
Rates subject to change at any time.
Fees may reduce earnings on accounts.
Share Rates
| Share Type | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Regular Shares | 0.99% | 1.00% |
| Christmas Club | 0.99% | 1.00% |
|
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 | 1.49% | 1.50% |
|
Money Market Checking - $10,000 -
$24,999.99
|
1.98% | 2.00% |
|
Money Market Checking - $25,000
- $99,999.99
|
2.71% | 2.75% |
|
Money Market Checking - $100,000
+
|
2.96% | 3.00% |
|
Money Market Savings - $10,000 -
$24,999.99
|
2.47% | 2.50% |
|
Money Market Savings - $25,000 -
$99,999.99
|
3.20% | 3.25% |
|
Money Market Savings - $100,000 +
|
3.44% | 3.50% |
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 | 3.20% | 3.25% |
| 36 Months | 2.96% | 3.00% |
| 24 Months | 2.71% | 2.75% |
| 12 Months | 2.71% | 2.75% |
| 6 Months | 2.22% | 2.25% |
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 | 2.71% | 2.75% |
| 18 Months | 2.71% | 2.75% |
| 12 Months | 2.71% | 2.75% |
| 6 Months | 2.22% | 2.25% |