Share Certificates
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- Funds can be withdrawn for a down payment on a SFCU loan without penalty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 |