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Funds can be withdrawn for a down payment on a SFCU loan without penalty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	3.64%/3.70%	$500
12-Month FlexiRate Add-On	3.20%/3.25%	$500
18-Month	3.69%/3.75%	$500
24-Month	3.69%/3.75%	$500
24-Month Add-On	3.59%/3.65%	$500
36-Month	3.69%/3.75%	$1,000
48-Month	3.74%/3.80%	$1,000
54-Month	3.78%/3.85%	$1,000
60-Month	3.78%/3.85%	$1,000
84-Month Raise-Up	3.93%/4.00%	$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	3.64%/3.70%	$500
12-Month FlexiRate Add-On	3.20%/3.25%	$500
18-Month	3.69%/3.75%	$500
24-Month	3.69%/3.75%	$500
24-Month Add-On	3.59%/3.65%	$500
36-Month	3.69%/3.75%	$1,000
42-Month Add-On	3.54%/3.60%	$1,000
48-Month	3.74%/3.80%	$1,000
54-Month	3.78%/3.85%	$1,000
60-Month	3.78%/3.85%	$1,000
84-Month Raise-Up	3.93%/4.00%	$1,000

Youth Certificates

Term	Rate/APY²	Minimum Deposit
30-Month No Minimum w/ Add-On	3.64%/3.70%	None

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