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Open a Share Certificate

Lock in a guaranteed rate as high as 4.15% APY* and watch your savings grow.
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Secure Growth Without Market Guesswork

From kitchen renovations to well-deserved vacations, your savings goals should always be top of mind. A share certificate is a safe, fixed-rate savings option that rewards you for committing your funds for a set term.

With just $500, you can lock in a competitive APY and enjoy monthly dividends: no surprises, no shifting returns.

Open a Share Certificate Today

Share & IRA Certificate Rates

Choose a term that fits your savings goals. Enjoy short-term flexibility or long-term growth, all with guaranteed returns.

Share & IRA Certificate Rates

Apply for a Share Certificate
MINIMUM DAILY BALANCE TO OBTAIN APY TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY*)
$500.00 3 Months 3.203% 3.25%*
$500.00 6 Months 3.203% 3.25%*
$500.00 7 Months 4.073% 4.15%*
$500.00 9 Months 3.687% 3.75%*
$500.00 11 Months 3.880% 3.95%*
$500.00 12 Months 3.445% 3.50%*
$500.00 15 Months 3.445% 3.50%*
$500.00 18 Months 3.203% 3.25%*
$500.00 24 Months 2.960% 3.00%*
$500.00 36 Months 2.325% 2.35%*
$500.00 48 Months 2.423% 2.45%*
$500.00 60 Months 2.472% 2.50%*
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
TERM
3 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY*)
3.25%*
$500.00
TERM
6 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY*)
3.25%*
$500.00
TERM
7 Months
DIVIDEND RATE
4.073%
ANNUAL PERCENTAGE YIELD (APY*)
4.15%*
$500.00
TERM
9 Months
DIVIDEND RATE
3.687%
ANNUAL PERCENTAGE YIELD (APY*)
3.75%*
$500.00
TERM
11 Months
DIVIDEND RATE
3.880%
ANNUAL PERCENTAGE YIELD (APY*)
3.95%*
$500.00
TERM
12 Months
DIVIDEND RATE
3.445%
ANNUAL PERCENTAGE YIELD (APY*)
3.50%*
$500.00
TERM
15 Months
DIVIDEND RATE
3.445%
ANNUAL PERCENTAGE YIELD (APY*)
3.50%*
$500.00
TERM
18 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY*)
3.25%*
$500.00
TERM
24 Months
DIVIDEND RATE
2.960%
ANNUAL PERCENTAGE YIELD (APY*)
3.00%*
$500.00
TERM
36 Months
DIVIDEND RATE
2.325%
ANNUAL PERCENTAGE YIELD (APY*)
2.35%*
$500.00
TERM
48 Months
DIVIDEND RATE
2.423%
ANNUAL PERCENTAGE YIELD (APY*)
2.45%*
$500.00
TERM
60 Months
DIVIDEND RATE
2.472%
ANNUAL PERCENTAGE YIELD (APY*)
2.50%*

Built-In Benefits With Every Certificate

Get more than just great rates. Your savings come with security and peace of mind.
NCUA-Insured Security

NCUA-Insured Security

Your funds are federally insured up to $250,000.
Monthly Dividends

Monthly Dividends

Earn interest each month, compounded and credited regularly.
$500 Minimum

$500 Minimum

Start saving with a certificate for as little as $500.
Flexible Term Options

Flexible Term Options

Choose from terms as short as 3 months or as long as 5 years.
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Certificate Account FAQs

Is my money safe?
Yes. All Service CU certificates are federally insured by the NCUA up to $250,000.
Are these available as IRAs?
Yes. Many of our certificates are available as IRA certificates.
What happens if I withdraw early?
Early withdrawals are subject to penalties that may reduce earnings. We recommend committing funds you won’t need access to immediately.
What is a share certificate?
A share certificate is a type of high-rate savings account with a fixed term. In exchange for placing funds into a certificate for the selected term, you earn a higher percentage yield on those funds.
*Rates shown are Annual Percentage Yields (APY), accurate as of 07/01/2025, 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.