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Grow Your Savings With Service Credit Union Share Certificates

Lock in a guaranteed rate and maximize your earnings with a share certificate.
Open a Share Certificate

Share Certificates Make Saving Smarter

Whether you’re saving for a vacation, college fund, or another short- or long-term goal, a share certificate is a powerful savings tool that offers higher returns than a regular savings account. With flexible terms, a low minimum deposit, and a guaranteed rate, share certificates provide predictable, steady growth you can count on.

Lock in your rate, earn dividends credited monthly, and choose the term that fits your savings timeline while enjoying the security of knowing exactly how much your money will earn.

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Guaranteed Growth, No Guesswork

When you open a share certificate, you eliminate uncertainty and take control of your savings. Your rate is guaranteed, so you know exactly how much you’ll earn by the end of your term, with no surprises or fluctuations. This means you can plan for the future with confidence, knowing your money is growing safely and predictably.

Today’s Top Share Certificate Rates*

7-Month Share Certificate
4.15%
APY
9-Month Share Certificate
3.75%
APY
11-Month Share Certificate
3.95%
APY

How Does a Share Certificate Work?

Step 1: Become a Member

Step 1: Become a Member

Sign up to become a member of Service Credit Union, if you are not currently one.
Step 2: Deposit

Step 2: Deposit

Start with a deposit of $500 or more.
Step 3: Earn

Step 3: Earn

Dividends are compounded and credited monthly.
Step 4: Withdraw or Roll Over Upon Maturity

Step 4: Withdraw or Roll Over Upon Maturity

Cash out or reinvest when your term ends.
Open a Share Certificate

Find the Right Term for You

Lock in a rate and start earning today. Compare all available Share Certificate options.

Share & IRA Certificate Rates

Open 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 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% $500.00
TERM
3 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY)*
3.25%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
6 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY)*
3.25%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
7 Months
DIVIDEND RATE
4.073%
ANNUAL PERCENTAGE YIELD (APY)*
4.15%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
9 Months
DIVIDEND RATE
3.687%
ANNUAL PERCENTAGE YIELD (APY)*
3.75%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
11 Months
DIVIDEND RATE
3.880%
ANNUAL PERCENTAGE YIELD (APY)*
3.95%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
12 Months
DIVIDEND RATE
3.445%
ANNUAL PERCENTAGE YIELD (APY)*
3.50%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
15 Months
DIVIDEND RATE
3.445%
ANNUAL PERCENTAGE YIELD (APY)*
3.50%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
18 Months
DIVIDEND RATE
3.203%
ANNUAL PERCENTAGE YIELD (APY)*
3.25%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
24 Months
DIVIDEND RATE
2.960%
ANNUAL PERCENTAGE YIELD (APY)*
3.00%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
36 Months
DIVIDEND RATE
2.325%
ANNUAL PERCENTAGE YIELD (APY)*
2.35%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
48 Months
DIVIDEND RATE
2.423%
ANNUAL PERCENTAGE YIELD (APY)*
2.45%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00
60 Months
DIVIDEND RATE
2.472%
ANNUAL PERCENTAGE YIELD (APY)*
2.50%
MINIMUM DAILY BALANCE TO OBTAIN APY
$500.00

What Our Members Say

FeatureShare_FEATURE

R

Epping, NH

I am very happy that I opened a Savings account and arranged for a share certificate. Your rates are the best around. The employees in the credit union were polite, knowledgeable, courteous, efficient, and explained everything.
I am very happy that I opened a Savings account and arranged for a share certificate. Your rates are the best around. The employees in the credit union were polite, knowledgeable, courteous, efficient, and explained everything.

R

Share Certificate FAQs

Everything you need to know before you open a share certificate.

What is a Share Certificate?
A share certificate is a high-yield savings option that rewards you with a higher APY in exchange for keeping your money deposited for a fixed term.
How do they work?
You deposit a set amount, choose a term length, and earn guaranteed dividends throughout that period.
Are there any risks?
The only risk is if you need to withdraw your funds before the term ends, as early withdrawals will incur penalties.
What is the minimum deposit required to open?
A minimum deposit of $500 is required.
Can I withdraw money before it matures?
Early withdrawals are subject to penalties, so it’s best to choose a term that aligns with your financial goals.
Can I add more money after the Share Certificate is opened?
You can add money to a 6-Month Share Certificate. For other terms, additional deposits aren’t allowed after opening. To keep saving, open a new certificate anytime.
What happens when it matures?
You can either withdraw your funds including earned dividends or roll them into a new certificate to continue growing your savings.
Are they insured?
Yes! Your deposits are federally insured up to $250,000, providing peace of mind while your savings grow.
Are there any associated fees?
There are no monthly maintenance fees, but early withdrawal penalties may apply.
How do I get started?
You can open a share certificate online, over the phone or by visiting a branch.
Start Growing Your Savings with a Service Credit Union Share Certificate
Don’t wait. Secure a competitive rate with Service Credit Union now.
Open a Share Certificate
*Rates shown are Annual Percentage Yields (APY), accurate as of 10/16/2025, 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.