Rates Effective December 1, 2025

^{The Regular Savings account or Membership Account establishes your membership with CSCU. Once you are a member, you can apply to open other accounts.}

<sup>*APY – Annual Percentage Yield.  The APY is an annualized rate that reflects estimated interest earnings based on the interest rate and frequency of compounding.  In the event accounts earning APY are subject to fees as outlined in the account agreement, please note that fees  could reduce the earnings on the account. Rates and terms are subject to change without notice.  Penalties apply for early withdrawals from certificate accounts. Terms and conditions subject to change

**Qualifiers to obtain 4% APY: $1,000 or more in direct deposit transactions per month. Go Paperless with eStatements. Have 20 posted debit card transactions per month. PIN or Signature-based transactions on debit cards are combined to meet the criteria. Transactions must be of at least $10 to qualify. All transactions must be posted on your account by the end of the month. Pending transactions are not counted towards the minimum qualifiers.

Activity Qualifiers trigger interest rate calculation on eligible balances. They are not required in order to use the account. The account has no minimum balance requirement. In order to earn interest, the account must have a balance greater than $1,000.

Dividends are calculated daily on end of day balances, paid out monthly. Rates are subject to change without notice. See our Truth in Savings Disclosure.</sup>