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 | 3.203% | 3.25% | $500.00 |
| 7 Months | 3.928% | 4.00% | $500.00 |
| 9 Months | 3.445% | 3.50% | $500.00 |
| 11 Months | 3.154% | 3.20% | $500.00 |
| 12 Months | 3.203% | 3.25% | $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
3.203%
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
$500.00
DIVIDEND RATE
3.445%
ANNUAL PERCENTAGE YIELD (APY)*
3.50%
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
3.203%
ANNUAL PERCENTAGE YIELD (APY)*
3.25%
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.
$500 Minimum
Start saving with a certificate for as little as $500.
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 01/02/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is 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 CU or establish membership with $5 in a Primary Savings Account.