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Sun Federal Will Be CLOSED on September 1 in observance of Labor Day. We will reopen on Tuesday, September 2 at 8:00 AM.

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  • Funds can be withdrawn for a down payment on a SFCU loan without penalty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

TermRate/APY2Minimum Deposit
3 Month0.75%/0.75%$500
6 Month0.90%/0.90%$500
12 Month3.93%/4.00%$500
12 Month FlexiRate3.92%/4.00%$500
18 Month3.83%/3.90%$500
24 Month Add-On3.74%/3.80%$500
36 Month3.83%/3.90%$1,000
48 Month3.88%/3.95%$1,000
54 Month3.88%/3.95%$1,000
60 Month3.93%/4.00%$1,000
84 Month Raise-Up4.03%/4.11%$1,000

IRA Certificates

TermRate/APY2Minimum Deposit
3 Month0.75%/0.75%$500
6 Month0.90%/0.90%$500
12 Month3.93%/4.00%$500
12 Month FlexiRate3.92%/4.00%$500
18 Month3.83%/3.90%$500
24 Month Add-On3.74%/3.80%$500
36 Month3.83%/3.90%$1,000
42 Month Add-On3.59%/3.65%$1,000
48 Month3.88%/3.95%$1,000
54 Month3.88%/3.95%$1,000
60 Month3.93%/4.00%$1,000
84 Month Raise-Up4.03%/4.11%$1,000

Youth Certificates

TermRate/APY2Minimum Deposit
30 Month No Minimum w/ Add-On3.78%/3.85%None

Ready to start growing your savings?