Save Smart With Share Certificates
Lock in rates as high as 4.15% APY*Why Choose a Certificate
From Service Credit Union?
Whether you’re saving for a kitchen upgrade, a family getaway, or simply growing your savings with confidence, a share certificate from Service Credit Union can help you reach your goals faster with guaranteed returns.
With flexible terms and competitive rates, your money works harder while you plan for what’s next.
High, Fixed APYs*
Your rate is locked in, so you’ll know exactly what you’ll earn.
Flexible Term Options
Choose a term that works for you, from as short as six months to as long as five years.
Guaranteed Returns
You’re in control. With no surprises, early withdrawal is the only risk.
Secure Savings
NCUA-insured up to $250,000 for peace of mind.
From everyday goals to long-term plans, our certificates help you grow your savings with confidence.
- 3-Month Share Certificate at 3.25% APY*
- 7-Month Share Certificate at 4.15% APY*
- 6-Month Share Certificate at 3.25% APY*
- 9-Month Share Certificate at 3.75% APY*
4.7 out of 5 stars
How It Works
Choose your term
Pick a duration that fits your timeline.
Deposit as little as $500
Start growing your savings without a huge up-front commitment
Watch your savings grow
Earn guaranteed dividends through the life of your certificate
Service CU Member Reviews
*Rates shown are Annual Percentage Yields (APY), accurate as of 10/01/2025, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 required. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service Credit Union or establish membership with $5 in a Primary Savings Account.