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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, often at better rates.

Limited Time Service Credit Union Savings Certificate Promotion:

  • 6-Month Share Certificate at 3.00% APY*
  • 12-Month Share Certificate at 5.00% APY*
  • 18-Month Share Certificate at 4.45% APY*
  • 24-Month Share Certificate at 4.50% APY*
  • 36-Month Share Certificate at 3.35% APY*
  • 60-Month Share Certificate at 3.50% APY*

Get Some Of Today’s Best Share Certificate Rates 

$500.003 Months0.797%0.80%*Open a 3-month certificate Now
$500.006 Months2.960%3.00%*Open a 6-month certificate Now
$500.009 Months3.105%3.15%*Open a 9-month certificate Now
$500.0012 Months4.889%5.00%*Open a 12-month certificate Now
$500.0015 Months4.314%4.40%*Open a 15-month certificate Now
$500.0018 Months4.362%4.45%*Open a 18-month certificate Now
$500.0024 Months4.410%4.50%*Open a 24-month certificate Now
$500.0036 Months3.300%3.35%*Open a 36-month certificate Now
$500.0048 Months3.397%3.45%*Open a 48-month certificate Now
$500.0060 Months3.445%3.50%*Open a 60-month certificate Now

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 is Annual Percentage Yield (APY), accurate as of 05/05/23, 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. 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.