Open a Share Certificate Today!
Share Certificate Rates As High As 4.15%* 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 | 3.687% | 3.75%* | Open a 3-month certificate Now |
| $500.00 | 6 Months | 4.073% | 4.15%* | Open a 6-month certificate Now |
| $500.00 | 9 Months | 4.073% | 4.15%* | Open a 9-month certificate Now |
| $500.00 | 12 Months | 3.977% | 4.05%* | Open a 12-month certificate Now |
| $500.00 | 15 Months | 3.445% | 3.50%* | Open a 15-month certificate Now |
| $500.00 | 18 Months | 3.203% | 3.25%* | Open a 18-month certificate Now |
| $500.00 | 24 Months | 2.960% | 3.00%* | Open a 24-month certificate Now |
| $500.00 | 36 Months | 2.325% | 2.35%* | Open a 36-month certificate Now |
| $500.00 | 48 Months | 2.423% | 2.45%* | Open a 48-month certificate Now |
| $500.00 | 60 Months | 2.472% | 2.50%* | Open a 60-month certificate Now |
*Rates shown are Annual Percentage Yields (APY), accurate as of 05/20/2025, 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.