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Deposit Rates

Individual Retirement Accounts

Description Min. Balance Rate APY*
12 Month IRA
(Regular, ROTH or Educational)
$10.00 0.598% 0.60%
24 Month IRA
(Regular, ROTH or Educational)
$10.00 0.896% 0.90%
Share IRA
(Regular and Distribution IRA only)
$10.00 0.300% 0.30%

Share Certificates -- $2,500 Minimum Deposit

Description Min. Balance Rate APY*
6 Month Share Certificate $2,500.00 0.250% 0.25%
9 Month Share Certificate $2,500.00 0.349% 0.35%
12 Month Share Certificate $2,500.00 0.449% 0.45%
18 Month Share Certificate $2,500.00 0.499% 0.50%
24 Month Share Certificate $2,500.00 0.549% 0.55%
36 Month Share Certificate $2,500.00 0.995% 1.00%

Share Certificates -- $25,000 Minimum Deposit

Description Min. Balance Rate APY*
6-Month Share Certificate (25k) $25,000.00 0.300% 0.30%
9-Month Share Certificate (25k) $25,000.00 0.399% 0.40%
12-Month Share Certificate (25k) $25,000.00 0.499% 0.50%
18-Month Share Certificate (25k) $25,000.00 0.549% 0.55%
24-Month Share Certificate (25k) $25,000.00 0.598% 0.60%
36-Month Share Certificate (25k) $25,000.00 1.094% 1.10%

Money Market - $2,500 Minimum Deposit

Description Tier Rate APY*
Regular Money Market Account $2,500 - $9,999 0.100% 0.100%
AND $10,000 + 0.100% 0.100%
Zenith Employee Money Market Account $25,000 + 0.125% 0.125%
  $50,000 + 0.175% 0.175%
  $75,000 + 0.200% 0.200%
  $100,000 +

0.250%

0.250%
  $125,000 + 0.349% 0.350%
  $150,000 + 0.399% 0.400%
  $175,000 + 0.449% 0.450%
Seniors' Money Market Account $2,500 - $9,999 0.150% 0.150%
  $10,000 + 0.150% 0.150%
  $25,000 + 0.175% 0.175%
  $50,000 + 0.225% 0.225%
  $75,000 + 0.250% 0.250%
  $100,000 + 0.300% 0.300%
  $125,000 + 0.399% 0.400%
  $150,000 + 0.449% 0.450%
  $175,000 + 0.499% 0.500%
  • Rates effective January 1, 2015 and subject to change without notification
  • Yields rounded to nearest whole decimal
  • Certificates: A penalty will or may be imposed for early withdrawal on fixed term accounts 
  • Money Markets: 5 non-penalty withdrawals per month allowed, unlimited deposits

*APY=Annual Percentage Yield. All accounts are insured by the National Credit Union Administration to the maximum of $250,000 for individual accounts, $500,000.00 for joint accounts, and Individual Retirement Accounts are additionally and separately insured up to $250,000.00

Star Harbor Federal Credit Union

2021 E. Del Amo Blvd | Rancho Dominguez, CA 90220

Direct (310) 537-8271 | STARLine (877) 507-3471

Insured by NCUA

Federally Insured by NCUA

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