Grow Your Savings With a Share Certificate
Service Credit Union members get rates as high as 5.10% APY*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. While banks offer CDs with interest, credit unions provide share certificates with compounding dividends, often at better rates.
Limited Time Service Credit Union Savings Certificate Promotion:
- 12-Month Share Certificate at 5.10% APY*
- 15-Month Share Certificate at 4.75% APY*
- 18-Month Share Certificate at 4.45% APY*
Get Some of Today’s Best Share 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 | 4.889% | 5.00% | Open a 6-month certificate Now |
| $500.00 | 9 Months | 3.105% | 3.15%* | Open a 9-month certificate Now |
| $500.00 | 12 Months | 4.985% | 5.10% | Open a 12-month certificate Now |
| $500.00 | 15 Months | 4.650% | 4.75% | Open a 15-month certificate Now |
| $500.00 | 18 Months | 4.362% | 4.45%* | Open a 18-month certificate Now |
| $500.00 | 24 Months | 3.445% | 3.50%* | Open a 24-month certificate Now |
| $500.00 | 36 Months | 2.325% | 2.35%* | Open a 36-month certificate Now |
| $500.00 | 48 Months | 2.423% | 2.45%* | Open a 48-month certificate Now |
| $500.00 | 60 Months | 2.472% | 2.50%* | Open a 60-month certificate Now |
How Does a Share Certificate Work?
Deposit
Deposit a minimum of $500 with a guaranteed Annual Percentage Yield.
Collect
Collect dividends that are compounded and credited monthly.
Withdraw
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 CU Member Reviews
*Rate shown is Annual Percentage Yield (APY), accurate as of 04/01/24, 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. Must be a member of Service CU or eligible for membership with at least $5 in a Primary Savings account.