Synergy Federal Credit Union

Savings Accounts
Account Type	Dividend Rate	APY*
Share Savings Account**	0.20%	0.20%
Special Share Savings/Club Account	0.20%	0.20%

**$5 minimum balance

Cub and Teen Savings Account**
Account Balance	Dividend Rate	APY*
$5-$499.99	1.70%	1.71%
$500.00 and up	0.20%	0.20%

**Cub Account 0-9 years old; Teen Account 10-17 years old.

Money Market
Account Balance	Dividend Rate	APY*
$2,500 - $24,999.99	1.25%	1.26%
$25,000 - $74,999.99	1.40%	1.41%
$75,000 and above	1.55%	1.56%

Rates effective 01/01/2025 and are subject to change without notice.

*APY = Annual Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.

Rewards Cash Checking Account
Account Balance	Dividend Rate	APY*
Qualifying ($0.01-$10,000)	5.00%	5.12%
Qualifying ($10,000.01 and above)	0.25%	0.25%
Non-Qualifying (all funds)	0.05%	0.05%

Checking Accounts
Account Type	Dividend Rate	APY*
Rewards Cash Back Checking Account	-	-
Share Draft Checking Account	0.05%	0.05%

Rates effective 01/01/2025 and are subject to change without prior notice.

*APY = Annaul Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.
Qualifying Rewards accounts must use their debit card 15 times per month with purchases of $5 or more per transaction.

Traditional & Roth IRAs
Account Balance	Dividend Rate	APY*
$25 - $24,999.99	1.35%	1.36%
$25,000 - $74,999.99	1.50%	1.51%
$75,000 and above	1.65%	1.66%

Rates effective 01/01/2025 and are subject to change without prior notice.

*APY = Annual Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.

Share Certificates (3 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	4.00%	4.07%
$50,001	4.00%	4.07%
$100,001	4.00%	4.07%
$250,001	4.00%	4.07%

Share Certificates (6 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	4.25%	4.33%
$50,001	4.25%	4.33%
$100,001	4.25%	4.33%
$250,001	4.25%	4.33%

Share Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.95%	4.02%
$50,001	4.00%	4.07%
$100,001	4.05%	4.13%
$250,001	4.10%	4.18%

Share Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.85%	3.92%
$50,001	3.90%	3.97%
$100,001	3.95%	4.02%
$250,001	4.00%	4.07%

Share Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.65%	3.71%
$50,001	3.70%	3.76%
$100,001	3.75%	3.82%
$250,001	3.80%	3.87%

Share Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.60%	3.66%
$50,001	3.65%	3.71%
$100,001	3.70%	3.76%
$250,001	3.75%	3.82%

Share Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.55%	3.61%
$50,001	3.60%	3.66%
$100,001	3.65%	3.71%
$250,001	3.70%	3.76%

Rates are applicable 01/22/2025 - 01/28/2025

*APY = Annual Percentage Yield. All rates are annualized and are subject to change without prior notice.

IRA Certificates (3 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	4.10%	4.18%
$50,001	4.10%	4.18%
$100,001	4.10%	4.18%
$250,001	4.10%	4.18%

IRA Certificates (6 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	4.35%	4.44%
$50,001	4.35%	4.44%
$100,001	4.35%	4.44%
$250,001	4.35%	4.44%

IRA Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	4.05%	4.13%
$50,001	4.10%	4.18%
$100,001	4.15%	4.23%
$250,001	4.20%	4.28%

IRA Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.95%	4.02%
$50,001	4.00%	4.07%
$100,001	4.05%	4.13%
$250,001	4.10%	4.18%

IRA Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.75%	3.82%
$50,001	3.80%	3.87%
$100,001	3.85%	3.92%
$250,001	3.90%	3.97%

IRA Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.70%	3.76%
$50,001	3.75%	3.82%
$100,001	3.80%	3.87%
$250,001	3.85%	3.92%

IRA Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	3.65%	3.71%
$50,001	3.70%	3.76%
$100,001	3.75%	3.82%
$250,001	3.80%	3.87%

Rates are applicable 01/22/2025 - 01/28/2025

*APY = Annual Percentage Yield. All rates are annualized and are subject to change without prior notice.

Share Rates

Savings Accounts

Checking Accounts

Individual Retirement Accounts

Share Certificates

IRA Certificates