You can’t predict the future, but you can save for it.

Signature Share Accounts allow you to grow your savings for different uses at a later date. Compare minimum deposits, dividend rates and terms to find the Share Account that fits with your investment strategy -- there might be more than one.

And we’d like to help you figure it out – talk to a real person about your questions at (800) 336.0284.

Compare Share Accounts and Rates

Share Rates
Product Type Minimum Balance to Open Minimum Balance to Earn APY Annual Percentage Yield (APY)
Savings/Signature Savings $5 $5 0.00%
Savings/Signature Savings $5 $100 0.30%
Youth Savings $5 $5 0.40%
IRA Savings $0 $0 2.00%
Money Market Account1 $0 $500 0.35%
$10,000 0.55%
$50,000 1.00%
Legacy Money Market1 $0 $500 0.45%
$10,000 0.65%
$50,000 1.10%
Standard Checking/Student Checking $0 $0 0.10%
Youth Checking $0 $0 0.20%
Legacy Checking $0 $0 0.20%
Choice Checking - High Yield2 $0 $0 3.00%
$15,001 0.10%
Choice Checking - ATM/Rewards $0 $0 0.10%

 

Jumbo Share and IRA Certificate Rates
Certificate Type Minimum Balance to Open and
Earn APY		 APY
5 Year $100,000 3.20%
4 Year $100,000 2.85%
3 Year $100,000 2.75%
2 Year $100,000 2.65%
1 Year $100,000 2.45%

Jumbo Share Certificates are available as regular share and IRA certificates. No additions can be made to the certificate after opening. 

$50,000 Minimum Share and IRA Certificate Rates
Certificate Type Minimum Balance to Open and
Earn APY		 APY
5 Year $50,000  3.10
4 Year $50,000 2.75
3 Year $50,000  2.65
2 Year $50,000  2.55
1 Year $50,000  2.35
Share and IRA Certificate Rates (Share/IRA/Roth/ESA)
Certificate Type Minimum Balance to Open and Earn APY APY
5 Year $500 3.00%
4 Year $500 2.65%
3 Year $500 2.55%
24 Month $500 2.45%
18 Month $500 2.35%
12 Month $500 2.25%
9 Month $500 1.55%
6 Month $500 1.45%
3 Month $500 1.35%
EZ Save Certificate Rate
Certificate Type Minimum Balance to Open and Earn APY APY
1 Year EZ Save3 $50 2.25%

Have trouble saving? We have made it EZ to start saving with just an initial $50 minimum deposit.

Our EZ Save Certificate offers:

  • A 12-month term, after 12 months you have the opportunity to transfer the balance to another Share Certificate
  • One EZ Save Certificate per account (Limit $10,000)
  • Make additional deposits anytime by mailing a check, setting up a payroll/retirement allotment, Online Branch or Mobile App transfer, or even transfer funds from your local financial institution with Bank to Bank
Bump It Up Certificate Rate
Certificate Type Minimum Balance to Open and
Earn APY		 APY
36 Month Bump It Up4 $500 2.80%

Bump up your savings at 2.80% APY*!

Our Bump It Up Certificate offers:

  • Earn 0.25% APY higher than a standard 36-month share certificate
  • 36-month term; at maturity, the balance will be transferred to a standard 36-month share certificate
  • One "Bump Up" during term of certificate

For more information about Signature EZ Save and Bump It Up Certificates or to open a certificate, please contact one of our qualified representatives at (800) 336.0284.

For all term share accounts (Share Certificates) a penalty may be assessed for early withdrawal of funds from Share Certificates.


Rates are set by the Board of Directors and may change without notice. Rates may also change on your account after it’s opened. Fees or other charges could reduce the earnings on the account. For current rates and account information call (800) 336.0284.

1Money Market Accounts – Annual Percentage Yield can change monthly. Limited to 6 withdrawals per month. To qualify for the Legacy Money Market account you must be at least 55 or older.

2Choice Checking-High Yield has certain requirements that must be met: The debit card must be used at least 10 times and there must be a total of $1,000 being directly deposited into the account each month. The member must be enrolled in e-statements and can only have one Choice Checking per account. If any of the requirements are not met, the account will earn the standard checking account rate for that month. Balances above $15,000 earn the standard checking APY while balances below $15,000 will earn the High Yield APY.

3Balances over $10,000 (plus the accumulated dividend) will earn 0.10%.

4Rates are set by the Board of Directors and may change without notice. If the standard 36 month share certificate rate is higher than your current rate, you are eligible to “Bump It Up” or increase your rate one (1) time during the term of the certificate. It is your responsibility to contact the Credit Union and request the rate to be increased; we will not increase the rate automatically at any time during the term of the certificate. For our current rates, visit www.signaturefcu.org or contact us at (800) 336.0284.