Share Certificate (CD) in Cicero, NY
Secure your savings with an SFCU share certificate (CD) in Cicero, NY. Our share certificates offer competitive rates and flexible terms to help you grow your money. Whether saving for a short-term goal or long-term security, we have a share certificate option to fit your financial plans. Experience reliable savings – ready to get started?
Features of Share Certificate (CD) Account in Cicero, NY
Guaranteed Returns
Our Share Certificate (CD) accounts ensure guaranteed dividend returns, giving you financial security and predictability.
Flexible Terms
We provide a range of term options to cater to both the short-term savers and those planning for long-term financial goals.
Federally Insured
Rest assured, your deposits are protected by federal insurance, ensuring your peace of mind and security.
Competitive Rates
Our Share certificates (CD) are competitive, offering you the potential to earn higher returns compared to standard savings accounts. Explore your options!
Share Certificate (CD)Rates in Cicero, NY
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Contributions: | Earnings:Why Choose Us For a Share Certificate (CD) Account in Cicero, NY?
Competitive Rates
Enjoy higher dividend rates on share certificate (CD) accounts with us in Cicero, NY, compared to those offered by traditional banks, both nationally and locally, and watch your savings grow.
Member-Focused
Sidney Federal Credit Union is dedicated to focusing on what our members need. This commitment translates into lower fees and superior member service compared to traditional for-profit banks.
Comprehensive Services
Discover our wide range of products and services, from checking and savings accounts to loans and credit cards, making us your ultimate financial partner.
Community Involvement
We are dedicated to the Cicero, NY community by investing in local initiatives, supporting charities, creating scholarships, and offering seminars to serve our members and the local area. For more information, visit our website.
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1
Open an account
Start your Share Certificate account online or in a branch.
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2
Make initial deposit
Deposit money to get started.
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3
Earn dividends
Sit back and watch your savings grow.
Regular Certificates Rates
| Type of Certificate | Term | Minimum Balance to Open | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Fixed Rate |
91 Day |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
91 Day |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
6 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
6 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate |
9 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
9 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate - Special |
10 Month |
$500 |
4.169% |
4.25% |
|
Fixed Rate - Special |
10 Month |
$100,000 |
4.41% |
4.50% |
|
Fixed Rate |
12 Month |
$500 |
3.929% |
4.00% |
|
Fixed Rate |
12 Month |
$100,000 |
4.169% |
4.25% |
|
Fixed Rate - Sprout Saver |
12 Month |
$25 |
3.929% |
4.00% |
|
Fixed Rate |
18 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
18 Month |
$100,000 |
3.687% |
3.75% |
|
Fixed Rate |
24 Month |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
24 Month |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
30 Month |
$500 |
2.96% |
3.00% |
|
Fixed Rate |
30 Month |
$100,000 |
3.203% |
3.25% |
|
Fixed Rate |
36 Month |
$500 |
2.716% |
2.75% |
|
Fixed Rate |
36 Month |
$100,000 |
2.96% |
3.00% |
|
Fixed Rate |
48 Month |
$500 |
2.716% |
2.75% |
|
Fixed Rate |
48 Month |
$100,000 |
2.96% |
3.00% |
|
Fixed Rate |
60 Month |
$500 |
2.96% |
3.00% |
|
Fixed Rate |
60 Month |
$100,000 |
3.203% |
3.25% |
|
Variable Rate |
12 Month |
$10,000 |
3.929% |
4.00% |
|
Variable Rate |
24 Month |
$10,000 |
3.203% |
3.25% |
|
Variable Rate |
36 Month |
$10,000 |
2.716% |
2.75% |
Rates effective as of: January 2, 2025
APR= Annual Percentage Rate.
APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method.
Variable Rate Certificates - Rates will only change upon your written request. 12 month share certificates will allow for 1 change and 24 or 36 month share certificates will allow for 2 changes during the certificate term.
Share certificate terms of 9 months or less are subject to a 90-day penalty of dividends. Terms of 10 months or more are subject to a 180 day penalty of dividends. Fees may reduce earnings.
Withdrawals, deposits or change of terms can only be done without penalty on or within 5 business days after the maturity date (excluding the Sprout Saver Certificate, which allows deposits).
All rates are subject to change at anytime. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
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