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guides your savings journey to higher dividends.
Once a certificate matures, funds automatically roll over into a new term and are accessible for 10 days penalty-free.
Dividend payments are credited monthly and may be withdrawn without penalty at any time.
Funds are federally insured by NCUA to at least $250,000.
Here's a calculator to help you determine how much you'll earn in months depending on your deposit amount. The more you save, the more you earn.
This calculator is for illustrative purposes only and does not reflect actual dividend earnings. APY is subject to change. The APY for this example is . View rates & disclosures
Whether you call it an interest rate (banks) or a dividend rate (credit unions), it means the same thing: the amount of money a financial institution is willing to pay you to keep funds on deposit with them. When comparing rates, look for the annual percentage yield (APY) shown near the dividend rate to see which place offers you the best deal. Rates are applied to balances and normally paid monthly, quarterly, semi-annually, or annually. Certificates and money market accounts often offer higher rates than a savings or checking account, making them ideal for savings growth.
APY (Annual Percentage Yield) is the total amount of dividends or dividends earned on an account over a year, factoring in compound earnings. Unlike a dividend rate, APY includes the effect of compounding, meaning each time you earn, those earnings are added to your balance.
For example: With $25,000 on deposit at a 1% dividend rate, you’ll earn about $20.83 in the first month, bringing your balance to $25,020.83. The next month, the 1% rate applies to $25,020.83, earning you $20.85, and so on. In short, you earn dividends on your dividends!
Laddering involves opening multiple certificate accounts with staggered maturities, allowing you to benefit from higher rates while maintaining regular access to your money as each certificate matures. Certificates at SAFE carry much less risk, ensuring your money grows securely until maturity. SAFE offers great options and competitive rates on certificates and other deposit products, all insured by the NCUA.
*Annual Percentage Yield (APY) accurate as of and subject to change. Minimum opening deposit of $500. Dividends paid monthly. Certificate penalties for early withdrawal may apply. Fees may reduce earnings on accounts. View Rates.
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