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Grow Your Savings With a Service Credit Union Share Certificate

Service Credit Union Members Get Rates as High as 4.00% APY*
Open a Share Certificate Today

A Smarter Way to Save With Service Credit Union

Deposit at least $500 for a set period of time and receive a higher dividend rate than you could get with a basic personal savings account.

A share certificate earns higher APY (annual percentage yield) than standard savings accounts by locking deposits for a set time. Banks offer CDs with interest, while credit unions provide share certificates with dividends.

Open a Share Certificate Today

Featured Share Certificate Rates

6-Month Share Certificate
3.25%
APY*
9-Month Share Certificate
3.50%
APY*
11-Month Share Certificate
3.20%
APY*
12-Month Share Certificate
3.25%
APY*
15-Month Share Certificate
3.10%
APY*
18-Month Share Certificate
3.00%
APY*
Open a Share Certificate Today

How Does a Share Certificate Work?

  • 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.
*Rates shown are Annual Percentage Yields (APY), accurate as of 01/02/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is 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 CU or establish membership with $5 in a Primary Savings Account.