Open a Share Certificate
Lock in a guaranteed rate as high as 4.00% APY* and watch your savings grow.
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| TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD (APY)* | MINIMUM DAILY BALANCE TO OBTAIN APY |
|---|---|---|---|
| 3 Months | 3.203% | 3.25% | $500.00 |
| 6 Months | 3.928% | 4.00% | $250.00 |
| 9 Months | 3.928% | 4.00% | $500.00 |
| 11 Months | 3.154% | 3.20% | $500.00 |
| 12 Months | 3.928% | 4.00% | $500.00 |
| 15 Months | 3.057% | 3.10% | $500.00 |
| 18 Months | 2.960% | 3.00% | $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% | $500.00 |
TERM
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY)*
3.25%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
3.928%
ANNUAL PERCENTAGE YIELD (APY)*
4.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$250.00
DIVIDEND RATE
3.928%
ANNUAL PERCENTAGE YIELD (APY)*
4.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
3.154%
ANNUAL PERCENTAGE YIELD (APY)*
3.20%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
3.928%
ANNUAL PERCENTAGE YIELD (APY)*
4.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
3.057%
ANNUAL PERCENTAGE YIELD (APY)*
3.10%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
2.960%
ANNUAL PERCENTAGE YIELD (APY)*
3.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
2.960%
ANNUAL PERCENTAGE YIELD (APY)*
3.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
2.325%
ANNUAL PERCENTAGE YIELD (APY)*
2.35%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
2.423%
ANNUAL PERCENTAGE YIELD (APY)*
2.45%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
DIVIDEND RATE
2.472%
ANNUAL PERCENTAGE YIELD (APY)*
2.50%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
Built-In Benefits With Every Certificate
Get more than just great rates. Your savings come with security and peace of mind.
NCUA-Insured Security
Your funds are federally insured up to $250,000.
Monthly Dividends
Earn interest each month, compounded and credited regularly.
$250 Minimum
Start saving with a certificate for as little as $250.
Flexible Term Options
Choose from terms as short as 3 months or as long as 5 years.
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 08/01/2026, 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.