Savings - Share, IRA, HSA, & More | Salt City Federal Credit Union

Personal Savings Accounts

At Salt City Federal Credit Union, we’re here to support every stage of your financial journey. We offer a full range of options to help you reach savings goals and manage your finances with confidence. From money market accounts to certificates with highly competitive yields, we have everything you need for your personal savings plan.

Personal Savings

Save with ease and flexibility.

Up to 9 customizable accounts available for all your budgeting needs.

$5 minimum deposit.

Debit Card Application.

Highly competitive yields and flexible terms make the most of your savings.

$1,000 minimum deposit.

Renew automatically at maturity.

Money Market

Higher dividends and easy, instant access to your funds.

$2,500 minimum deposit.

No monthly fees or limits for transfers and withdrawals.

Individual Retirement Accounts (IRAs)

Take advantage of tax benefits when you save for retirement with a Traditional or Roth IRA.

$5 minimum deposit, balances over $1,000 eligible for high-yield IRA certificates.
Traditional IRAs.
Roth IRAs.
IRA Required Minimum Distributions.
Transfers and Rollovers.
View Certificate Rates.

Coverdell Education Savings Accounts (ESAs)

Enjoy the tax benefits of saving for your child’s education expenses with a Coverdell ESA.

$5 minimum deposit, balances over $500 eligible for high-yield ESA certificates.
Coverdell ESA Overview.
View Certificate Rates.

Health Savings Accounts (HSAs)

If your health insurance is a High Deductible Health Plan (HDHP), an HSA will let you save and pay for qualified medical expenses with pre-tax dollars.

No minimum deposit.

Use a debit card, online Bill Pay or checks for easy payments.

Debit Card Application.

HSA Overview.

Ameriprise Financial Retirement & Investment Services

Plan for your future with knowledgeable guidance from our partner, Ameriprise Financial Institutions Group.

- Financial & retirement planning.

- Investments & insurance.

- Estate planning strategies.

Not FDIC or NCUA Insured | No Financial Institution Guarantee | May Lose Value

Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest. Details on how we work together can be found on Ameriprise.com/sec-disclosure.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Salt City Federal Credit Union is not affiliated with Ameriprise Financial, Inc

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

Months	Dividend Rate	APY 1
12	3.99%	4.05%
24	3.70%	3.75%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Months	Dividend Rate	APY 1
3	4.03%	4.10%
6	4.13%	4.20%
12	3.99%	4.05%
18	3.89%	3.95%
24	3.70%	3.75%
30	3.55%	3.60%
36	3.50%	3.55%
48	3.45%	3.50%
60	3.40%	3.45%

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

Personal Savings Accounts

Contact Us

Personal Savings

4.2% APY

Money Market

Individual Retirement Accounts (IRAs)

Coverdell Education Savings Accounts (ESAs)

Health Savings Accounts (HSAs)

Ameriprise Financial Retirement & Investment Services

Tools & Resources

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 12/19/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 6/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 1/1/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/1/25. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.74% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.24% APR would have 60 monthly payments of $631.84 each month and would include a balloon payment due at loan maturity of $12,500.

As of 3/16/26. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	6.75%
$20,001 – $50,000	Member	6.50%
$50,001 +	Member	6.25%
$10,000 – $20,000	CU	7.00%
$20,001 – $50,000	CU	6.75%
$50,001 +	CU	6.50%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.85
	180	6.00%	$8.44
CU Pays Closing Costs	60	5.25%	$18.99
	120	5.75%	$10.98
	180	6.25%	$8.57

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	60	5.99%	$19.33
	84	6.49%	$14.84
	144	6.99%	$10.28
	180	7.49%	$9.26
Used 2016 – 2024	60	6.49%	$19.56
	84	6.99%	$15.09
	144	7.49%	$10.55
	180	7.99%	$9.55

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	36	6.49%	$30.64
	60	6.74%	$19.68¹
	72	6.99%	$17.04
Used 2024 and older	36	6.99%	$30.87
	60	7.24%	$19.91²
	72	7.49%	$17.29

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2025 – 2026	48	4.99%	$23.02
	60	5.14%	$18.94
	72	5.34%	$16.26
	84	5.84%	$14.53
Used 2021 – 2024 ¹	48	5.24%	$23.14
	60	5.39%	$19.05
	72	5.59%	$16.38
	84	6.09%	$14.65

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%

Personal Savings Accounts

Contact Us

Personal Savings

Share Certificates

4.2% APY

Money Market

Individual Retirement Accounts (IRAs)

Coverdell Education Savings Accounts (ESAs)

Health Savings Accounts (HSAs)

Ameriprise Financial Retirement & Investment Services

Tools & Resources

Headquarters Mailing Address

Contact Us