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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.
Apply Now

Certificate Account FAQs

Have questions before you lock in your rate? We’ve got answers.

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.