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Two investments that never lose

Great savings deals at STCU

Most of us don't have enough savings to be betting it on the stock market. And we don't have enough time to wait for low rates to grow our money. 

Now you can get a great rate -- and protect your money from the ravages of Wall Street. Here's how:

Open a First5 Savings

Everyone in your household should haven an STCU First5 Savings Account. There's no minimum to open and your first $500 currently earns a whopping 5.09% annual percentage yield!*

Does a higher rate really make a difference on $500? The current First5 rate would generate $25 in dividends in less than a year; in 10 years, the account would grow to more than $756 if you never added a dime. So, yes, it makes a big difference.

Plus, if you deposited another $1,000 into the account, you would still enjoy an annualized rate of about 1.88% APY, well above the 0.25% APY currently earned on a standard savings account. There are no term limits on a First5, just a great rate, subject to change.

Deposit money into old certificates

If you were smart enough to buy STCU long-term share certificates three to five years ago, then you may be sitting on a goldmine. If you don't have a certificate, you can get one today, with the peace of mind to know that you'll never lose your principal, or the money you invest.

Many older certificate accounts continue to earn 5.00% APY or more, and include an STCU add-on provision. So you can invest money today into your old share certificate, without penalty, and earn the rate we were paying four or five years ago!

When the certificate term expires, you must choose to withdraw the funds, move it to savings, or roll it into a new certificate at current rates. By continuing to "ladder" your certificate investments -- opening a series of certificates to expire incrementally, such as one per month -- you can earn longer term fixed rates compared to lower variable money market rates. And you always have a portion of your savings maturing and available for emergencies.

Open an STCU add-on certificate with as little as $500 and add from $25 to $5,000 to it each month. The higher the certificate balance, the more you'll earn!