Share Certificates (CD) in Liverpool, NY
We offer Share Certificate (CD) options for Liverpool, NY members seeking a low-risk opportunity to grow their savings. With competitive dividend rates and different term lengths to choose from, our Share Certificates (CD)provide a safe and predictable path to achieving your financial goals. Need to increase your savings? Let’s get started.
Features of Share Certificate (CD) Account in Liverpool, NY
Guaranteed Returns
Our Share Certificate (CD) accounts provide you with guaranteed dividend returns, offering you financial security and predictability.
Flexible Terms
We offer a range of term options, so our Share Certificate (CD) accounts work if you are a short-term saver or if you are planning for the longer term and future.
Federally Insured
With your deposits federally insured, you will have peace of mind and security.
Competitive Rates
Our Share Certificate (CD) rates are in-step with our competitors. Take a closer look – you could yield higher returns potentially compared to standard savings accounts.
Share Certificate (CD) Rates in Liverpool, NY
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Final Balance
Contributions: | Earnings:Why Choose Us For a Share Certificate (CD) Account in Liverpool, NY?
Competitive Rates
Typically, we offer higher dividend rates on Share Certificate (CD) accounts in Liverpool, NY compared to traditional banks, nationally or locally, so you can increase your savings.
Member-Focused
Sidney Federal Credit Union operates with our members' best interests in mind, always. This means lower fees and better customer service for you, compared to for-profit banking institutions.
Comprehensive Services
We offer a wide range of products and services, including checking and savings accounts, loans, and credit cards, so we can be your one-stop financial institution.
Community Involvement
We are committed to our Liverpool, NY community. We invest in local projects and charities, create scholarships and give seminars - all to support our members and the local community.
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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% |
as of 12/02/2024
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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