Savings Rates

 Consumer Savings Rates

  Variable Rate Share Accounts Annual Percentage Yield (APY) Dividend Rate Minimum Balance to Earn APY
Rates effective November 14, 2019
  SAVINGS 
    Compound period:  Quarterly
     
  Regular Share 0.10% 0.10% $500.00
    0.15% 0.15% $10,000.00
  Special Share  0.10% 0.10% $500.00
     0.15% 0.15% $10,000.00
  Future Endeavors  0.40%  0.40% $5.00
  Even-Up Share*  4.00% 4.00% $0.01
    4.00% 0.10%  $4,000.01
  IRA and HSA
    Compound period: Quarterly
     
  IRA Share 0.65% 0.65% $500.00
  Roth IRA Share 0.65% 0.65% $500.00
  Health Savings Share 0.65% 0.65% $500.00
  CHECKING
    Compound period: Monthly
     
  Basic Checking No dividends are earned    
  Free Checking  No dividends are earned    
  Checking with Interest  0.02% 0.02% $500.00
   MONEY MARKET 
     Compound period: Daily
   
  Money Market  0.65% 0.65% $10,000.00
    0.85% 0.85% $50,000.00
    1.16% 1.15% $100,000.00
    1.36% 1.35% $200,000.00
  FIXED-RATE TERM SHARE CERTIFICATES 
    Compound period: Daily
   
  6-month1 1.01%  1.00%  $1,000.00
  12-month1   1.46% 1.45% $1,000.00
  24-month1  1.56% 1.55% $1,000.00
  36-month1  1.61% 1.60%  $1,000.00
  48-month1  1.82% 1.80%  $1,000.00
  60-month1  2.02% 2.00% $1,000.00
  24-month SunStep2 1.51% 1.50% $1,000.00
  36-month SunStep2 1.56% 1.55% $1,000.00
  FIXED-RATE JUMBO SHARE CERTIFICATES
    Compound period: Daily
     
  6-month3 1.11% 1.10% $50,000.00
  12-month3  1.56% 1.55% $50,000.00
  24-month3  1.66% 1.65% $50,000.00
 FIXED-RATE SPECIAL SHARE CERTIFICATES 
    Compound period: Daily
   
  13-month4 1.77% 1.75% $1,000.00
         

* Even Up Share: For Even Up accounts, there is a minimum daily balance of $25.00 in your Checking share for the Even Up transfer to occur. If you fail to maintain the minimum daily balance of $25.00, the transfer will not take place. The amount for each Even Up transaction is transferred from the Checking share into the Even Up account at the end of each day. Refer to the Truth-In-Savings disclosure for full details.  1APY is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Certificate Truth-in Savings Disclosure for details.
2The SunState Share Certificate Option: You have the option during each term of this type of share certificate to  exchange this dividend rate for a new dividend rate.  The new dividend rate will be the dividend rate we are the offering on any other share certificate of equal term to maturity as the original term of this share certificate. This exchange will be at no cost to you. If you make an exchange, the maturity date of this share certificate will remain the same as originally scheduled. You ma y exercise this option once during each term (the original term and each renewal term). APY is based on $10,000. Your APY may very slightly. APY shown is highest term offered at rate shown. Refer to the Certificate Truth-in Savings Disclosure for details. 
3APY is based on $50,000.  Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Certificate Truth-in Savings Disclosure for details.
4 APY is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Money already on deposit at SunState Federal Credit Union is not eligible. Special share certificates are not eligible to receive bonus dividends. Refer to the Certificate Truth-in Savings Disclosure for details.

Business Savings Rates

  Variable Rate Share Accounts Annual Percentage Yield (APY) Dividend Rate Minimum Balance to Earn APY
Rates effective November 14, 2019
  SAVINGS 
    Compound period: Quarterly
     
  Business Shares 0.05% 0.05% $100.00
  CHECKING
    Compound period: Monthly
     
  Business Checking No dividends are earned    
  Premier Checking  0.02% 0.02% $100.00
   MONEY MARKET
    Compound period: Daily
     
  Business Money Market  0.65% 0.65% $10,000.00
    0.85% 0.85% $50,000.00
    1.16% 1.15% $100,000.00
    1.36% 1.35% $200,000.00
  FIXED-RATE TERM SHARE CERTIFICATES
    Compound period: Daily 
   
  6-month1 1.01%  1.00%  $1,000.00
  12-month1   1.46% 1.45% $1,000.00
  24-month1  1.56% 1.55% $1,000.00
  36-month1  1.61% 1.60%  $1,000.00
  48-month1   1.82% 1.80%  $1,000.00
  60-month1   2.02% 2.00% $1,000.00
   FIXED-RATE JUMBO SHARE CERTIFICATES
    Compound period: Daily
     
  6-month2 1.11% 1.10% $50,000.00
  12-month2  1.56% 1.55% $50,000.00
  24-month3  1.66% 1.65% $50,000.00
  1APY is based on $10,000. Your APY may vary slightly. APY shown is for highest term offered at the rate shown. Refer to the Business Share Certificate Disclosure for details.
2APY is based on $100,000.  Your APY may vary slightly. APY shown is for highest term offered at rate shown. Refer to the Business Share Certificate Disclosure for details.

Rates may vary and are subject to change. Rates are published each Thursday and are available by calling (352) 381-5200 or outside Gainesville dial (877-786-7828).  Fees or other conditions may reduce earnings. See separate fee schedule for details.  Early withdrawal penalties may apply.