SJP Federal Credit Union

Where people are worth more than money!

Certificate of Deposit Rates*

6 months: 3.50% APY
12 months: 3.70% APY
24 months: 3.80% APY
36 months: 3.90% APY
48 months: 4.00% APY
60 months: 4.05% APY
84 months: 4.10% APY

Money Market Rates*

$500+: 3.30% APY

IRA Rates*

$500+: 3.30% APY

Savings Account Rates*

$100+: 0.25% APY

Club Accounts Rates*

On balances from $0.01 – $5,000.00: 3.30% APY
On balances over $5,000.00: 0.05% APY

NCUA Logo 300

*Dividend rates and Annual Percentage Yields (APY) are accurate as of April 2, 2026 and are subject to change at any time without notice unless otherwise stated. Please call the office at (716) 833-9670 for current rates. APY means Annual Percentage Yield. Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening. Dividends on Savings, Money Market, IRA, and Club Accounts are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends, and dividends will not be paid if the account is closed prior to month-end. Money Market and IRA rates shown reflect anticipated monthly dividends and may change based on market conditions.

Certificate of Deposit (CD) accounts have a minimum opening deposit of $1,000. Certificate rates are fixed for the term. There is no minimum balance required to earn the stated APY on Certificates, and the APY is paid on the entire balance. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Certificate accounts must be closed to access funds prior to maturity; partial withdrawals are not permitted. An early withdrawal penalty will be imposed for early closure and may reduce earnings. The penalty is equal to one-half of the interest that would have been earned through maturity on the respective term.

Fees may reduce earnings on any account. Minimum balance requirements may apply to earn the stated APY on certain accounts. Please refer to our Truth-in-Savings disclosures or contact the credit union for complete terms, conditions, and applicable fees.