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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.

For a limited time, grow your savings with one of our promotional certificate rates:

  • 6-Month Share Certificate at 5.00% APY*
  • 12-Month Share Certificate at 5.10% APY*
  • 15-Month Share Certificate at 4.75% 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 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

Please call or visit a branch to open an IRA certificate. US: 800.936.7730 | International: 00800.4728.2000
$500.003 Months0.797%0.80%*Open a 3-month certificate Now
$500.006 Months4.889%5.00%Open a 6-month certificate Now
$500.009 Months3.105%3.15%*Open a 9-month certificate Now
$500.0012 Months4.985%5.10%Open a 12-month certificate Now
$500.0015 Months4.650%4.75%Open a 15-month certificate Now
$500.0018 Months4.362%4.45%*Open a 18-month certificate Now
$500.0024 Months3.445%3.50%*Open a 24-month certificate Now
$500.0036 Months2.325%2.35%*Open a 36-month certificate Now
$500.0048 Months2.423%2.45%*Open a 48-month certificate Now
$500.0060 Months2.472%2.50%*Open a 60-month certificate Now

* Rates shown are Annual Percentage Yield (APY), accurate as of 4/1/24, and subject to change without notice. Minimum deposit of $500 required. 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

Share Certificate Calculator

Use our certificate calculator to see how much your deposit would grow over any of our available terms.

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