5.25% APY** High-Yield Share Certificate
Enjoy a Special Limited-Time Rate When You Put New Money Into a Share CertificateGrow 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.
For a limited time, grow your savings with one of our promotional certificate rates:
- 12-Month Share Certificate at 5.15% APY*
- 15-Month Share Certificate at 5.10% APY*
- 18-Month Share Certificate at 5.25% APY**
As always, these rates are guaranteed for the term of the deposit.
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.
Here’s How It Works
- Deposit a minimum of $500 with a guaranteed Annual Percentage Yield*.
- Collect dividends that are compounded and credited monthly.
- 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 | 2.960% | 3.00%* | Open a 6-month certificate Now |
| $10,000.00** | 6 Months | 4.121% | 4.20%** | Open a 6-month certificate Now |
| $500.00 | 9 Months | 3.105% | 3.15%* | Open a 9-month certificate Now |
| $500.00 | 12 Months | 5.032% | 5.15%* | Open a 12-month certificate Now |
| $500.00 | 15 Months | 4.985% | 5.10%* | Open a 15-month certificate Now |
| $500.00 | 18 Months | 4.362% | 4.45%* | Open a 18-month certificate Now |
| $10,000.00** | 18 Months | 5.128% | 5.25%** | Open a 18-month certificate Now |
| $500.00 | 24 Months | 4.169% | 4.25%* | Open a 24-month certificate Now |
| $500.00 | 36 Months | 3.300% | 3.35%* | Open a 36-month certificate Now |
| $500.00 | 48 Months | 3.397% | 3.45%* | Open a 48-month certificate Now |
| $500.00 | 60 Months | 3.445% | 3.50%* | Open a 60-month certificate Now |
*Rate shown is Annual Percentage Yield (APY), accurate as of 11/21/23, 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.
**Rates shown is Annual Percentage Yield (APY), accurate as of 11/01/23, and subject to change without notice. Minimum deposit of $10,000.00 in new money required. New money is defined as funds that are not from any account held with Service Federal Credit Union; transfers between Service CU accounts or its affiliates will not qualify. 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. Dividend rates and APYs are subject to change on the 1st and 16th of every month, as determined by the Board of Directors. If certificate is set to automatically renew on maturity, it will renew at the rate offered for the standard $500 minimum balance certificate 6 month or 18 month terms. Must be a member of Service CU or eligible for membership with at least $5 in a Primary Savings Account. Offer subject to change or be discontinued without notice.