Last Updated: 04/18/2025
Scenic Community Credit Union Accumulative IRA
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
2.50% - 3.00%(Verified 06/21/2024)
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
N/A
Scenic Community Credit Union Accumulative IRA Review
Scenic Community Credit Union Accumulative IRA is offered by Scenic Community Credit Union, a credit union founded in 1954 and based in Chattanooga, TN. Scenic Community Credit Union Accumulative IRA are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- High yield savings. This account offers an annual percentage yield of up to 3.00%, which is much higher than the average interest rate for a savings account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
Scenic Community Credit Union Accumulative IRA Pros & Cons
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Scenic Community Credit Union Accumulative IRA FAQ
Are savings accounts from Scenic Community Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Scenic Community Credit Union offer a signup bonus?
Scenic Community Credit Union Accumulative IRA doesn't offer a signup bonus.
What is the minimum initial deposit for Scenic Community Credit Union Accumulative IRA?
The minimum deposit to open a Scenic Community Credit Union Accumulative IRA is $25.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Scenic Community Credit Union Accumulative IRA offer?
Scenic Community Credit Union Accumulative IRA offers a variable APY starting at 2.50% and ranging up to 3.00% (APY stands for annual percentage yield, rates may change). This is much higher than the national average rate for savings accounts.
What fees does Scenic Community Credit Union Accumulative IRA charge?
Scenic Community Credit Union Accumulative IRA does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- Incoming domestic bank transfers come with a $10.00 fee.
- Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $10.00 fee.
- An overdraft on your account will trigger a $30.00 fee per item.
- Scenic Community Credit Union Accumulative IRA charges $2.00 every time you request a paper statement.
Does Scenic Community Credit Union Accumulative IRA charge overdraft fees?
Yes, Scenic Community Credit Union Accumulative IRA charges a $30.00 overdraft fee. Scenic Community Credit Union Accumulative IRA offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Scenic Community Credit Union Accumulative IRA offer?
This savings account includes the following features:
- Mobile Banking Services - Scenic Community Credit Union Accumulative IRA allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Scenic Community Credit Union Accumulative IRA?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Scenic Community Credit Union Accumulative IRA?
The customer support email for Scenic Community Credit Union Accumulative IRA is support@mysccu.com.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM