Share Certificates

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You’ve worked hard to save your money—now it’s time for your savings to work for you! With Share Certificates, you put aside cash for a set period of time. During that time, you’ll earn a higher annual percentage yield (APY) on your funds compared to a regular savings account. Here’s the best part: no matter how much interest rates change during the life of your Share Certificate, your rate is locked in—meaning you’ll receive your dividends, guaranteed!

Share Certificate Features:

Available in terms from 3 to 84 months
Fixed rates throughout the term and compounded monthly
Regular, Youth Add-On, and Individual Retirement Account (IRA) available
Funds can be withdrawn for a down payment on a SFCU loan without penalty

Certificate Rates

Regular Certificates

Term	Rate/APY²	Minimum Deposit
3 Month	0.75%/0.75%	$500
6 Month	0.90%/0.90%	$500
12 Month	3.93%/4.00%	$500
12 Month FlexiRate	3.92%/4.00%	$500
18 Month	3.83%/3.90%	$500
24 Month Add-On	3.74%/3.80%	$500
36 Month	3.83%/3.90%	$1,000
48 Month	3.88%/3.95%	$1,000
54 Month	3.88%/3.95%	$1,000
60 Month	3.93%/4.00%	$1,000
84 Month Raise-Up	4.03%/4.11%	$1,000

IRA Certificates

Term	Rate/APY²	Minimum Deposit
3 Month	0.75%/0.75%	$500
6 Month	0.90%/0.90%	$500
12 Month	3.93%/4.00%	$500
12 Month FlexiRate	3.92%/4.00%	$500
18 Month	3.83%/3.90%	$500
24 Month Add-On	3.74%/3.80%	$500
36 Month	3.83%/3.90%	$1,000
42 Month Add-On	3.59%/3.65%	$1,000
48 Month	3.88%/3.95%	$1,000
54 Month	3.88%/3.95%	$1,000
60 Month	3.93%/4.00%	$1,000
84 Month Raise-Up	4.03%/4.11%	$1,000

Youth Certificates

Term	Rate/APY²	Minimum Deposit
30 Month No Minimum w/ Add-On	3.78%/3.85%	None

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