Certificates
A Smart Way to Save More5.10% APY*
12-Month Share Certificate
4.75% APY*
15-Month Share Certificate
4.45% APY*
18-Month Share Certificate
Grow Your Savings at a Great Rate
Similar to a CD, a certificate is like a promise: You promise to set aside a fixed amount of cash (at least $500) for a set period of time, from six months to five years. In return, we give you a higher dividend rate than you could get in a regular savings account.
Your funds are insured for $250,000 on individual accounts by the federal government. A Share Insurance Estimator for multiple and/or joint accounts is provided by NCUA at mycreditunion.gov. Your money is safe and sound while the dividends compound every month.
How Does a Share Certificate Work?
Deposit
Deposit a minimum of $500 with a guaranteed Annual Percentage Yield.
Collect
Collect dividends that are compounded and credited monthly.
Withdraw
At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.
Service Credit Union Certificate Rates
MINIMUM DAILY BALANCE TO OBTAIN APY | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD | |
---|---|---|---|---|
$500.00 | 3 Months | 0.797% | 0.80%* | Open a 3-month certificate Now |
$500.00 | 6 Months | 4.889% | 5.00% | Open a 6-month certificate Now |
$500.00 | 9 Months | 3.105% | 3.15%* | Open a 9-month certificate Now |
$500.00 | 12 Months | 4.985% | 5.10% | Open a 12-month certificate Now |
$500.00 | 15 Months | 4.650% | 4.75% | Open a 15-month certificate Now |
$500.00 | 18 Months | 4.362% | 4.45%* | Open a 18-month certificate Now |
$500.00 | 24 Months | 3.445% | 3.50%* | Open a 24-month certificate Now |
$500.00 | 36 Months | 2.325% | 2.35%* | Open a 36-month certificate Now |
$500.00 | 48 Months | 2.423% | 2.45%* | Open a 48-month certificate Now |
$500.00 | 60 Months | 2.472% | 2.50%* | Open a 60-month certificate Now |
*Rate shown is Annual Percentage Yield (APY), accurate as of 04/01/24, and subject to change without notice. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. The dividend rate and APY may change on the 1st and 16th of every month, as determined by the Board of Directors.
Share Certificate Calculator
Use our certificate calculator to see how much your deposit would grow over any of our available terms.