Open a Share Certificate Today!
Share Certificate Rates As High As 5.00%* APYReceive a Higher Dividend Rate Than You Could Get with a Basic Savings Account
Deposit $500 Today To Get Our Best Rates For Share Certificates
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.
Share & IRA Certificate Rates
| MINIMUM DAILY BALANCE TO OBTAIN APY | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD | |
|---|---|---|---|---|
| $500.00 | 3 Months | 0.797% | 0.80%* | Open a 3-month certificate Now |
| $500.00 | 6 Months | 2.960% | 3.00%* | Open a 6-month certificate Now |
| $25,000.00** | 6 Months | 4.121% | 4.20%** | Open a 6-month certificate Now |
| $500.00 | 9 Months | 3.105% | 3.15%* | Open a 9-month certificate Now |
| $500.00 | 12 Months | 4.410% | 4.50%* | Open a 12-month certificate Now |
| $500.00 | 15 Months | 4.985% | 5.10%* | Open a 15-month certificate Now |
| $500.00 | 18 Months | 4.362% | 4.45%* | Open a 18-month certificate Now |
| $25,000.00** | 18 Months | 5.128% | 5.25%** | Open a 18-month certificate Now |
| $500.00 | 24 Months | 4.410% | 4.50%* | Open a 24-month certificate Now |
| $500.00 | 36 Months | 3.300% | 3.35%* | Open a 36-month certificate Now |
| $500.00 | 48 Months | 3.397% | 3.45%* | Open a 48-month certificate Now |
| $500.00 | 60 Months | 3.445% | 3.50%* | Open a 60-month certificate Now |
*Rates shown is Annual Percentage Yield (APY), accurate as of 07/28/23, 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.