Mobile Phone Displaying Share Certificate Rates

Save Smart With Share Certificates

Lock in rates as high as 4.00% APY*
Open a Share Certificate

Why Choose a Certificate
From Service Credit Union?

Whether you’re saving for a kitchen upgrade, a family getaway, or simply growing your savings with confidence, a share certificate from Service Credit Union can help you reach your goals faster with guaranteed returns. 

With flexible terms and competitive rates, your money works harder while you plan for what’s next. 

High, Fixed APYs*

High, Fixed APYs*

Your rate is locked in, so you’ll know exactly what you’ll earn.
Flexible Term Options

Flexible Term Options

Choose a term that works for you, from as short as six months to as long as five years.
Guaranteed Returns

Guaranteed Returns

You’re in control. With no surprises, early withdrawal is the only risk.
Secure Savings

Secure Savings

NCUA-insured up to $250,000 for peace of mind.

From everyday goals to long-term plans, our certificates help you grow your savings with confidence.

6-Month Share Certificate
3.75%
APY*
9-Month Share Certificate
3.85%
APY*
12-Month Share Certificate
4.00%
APY*

How It Works

Choose Your Term

Choose Your Term

Pick a duration that fits your timeline.
Deposit as little as $500

Deposit as little as $500

Start growing your savings without a huge up-front commitment.
Watch your savings grow

Watch your savings grow

Earn guaranteed dividends through the life of your certificate.
Open a Share Certificate
*Rates shown are Annual Percentage Yields (APY), accurate as of 04/07/2026, 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.