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Grow Your Savings With a Service Credit Union Share Certificate

Service Credit Union Members Get Rates as High as 4.35% APY*
Open a Share Certificate Today

Featured Share Certificate Rates

6-Month Share Certificate
4.00%
APY*
12-Month Share Certificate
4.25%
APY*
15-Month Share Certificate
4.35%
APY*
Open a Share Certificate Today

A Smarter Way to Save With Service Credit Union

Deposit at least $500, or just $250 for a 6-month term, 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

How Does a Share Certificate Work?

  • Open a 6-month certificate with a $250 minimum deposit, or any other certificate term with $500, and earn a guaranteed Annual Percentage Yield (APY).*
  • 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 11/03/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. 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.