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Grow Your Savings With a Service Credit Union Share Certificate

Service Credit Union Members Get Rates as High as 4.15% 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
3.75%
APY*
11-Month Share Certificate
3.95%
APY*
12-Month Share Certificate
3.50%
APY*
15-Month Share Certificate
3.50%
APY*
18-Month Share Certificate
3.25%
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 10/01/2025, and subject to change without notice as determined by the Board of Directors.  Minimum deposit of $500 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 Credit Union or establish membership with $5 in a Primary Savings Account.