Growing Green Savings Challenge: Grow with the Right Share Certificate

Pick your term: finding the share certificate that fits your life!

If you’re looking for a smart way to give your savings a little bump, a share certificate can be a powerful tool. Unlike a regular savings account, where you can add or withdraw money at any time and earn a variable rate, a share certificate allows you to lock in a fixed, often higher, rate if you agree to keep your money in the account for a set period of time, typically earning a higher return. It’s a simple, predictable way to put your savings to work, especially when you have a goal and a timeline in mind.

At SFCU, we know that everyone’s goals look a little different. Some are right around the corner, and some are long-term that may take more time. That’s why our current Share Certificate promo gives you the freedom to choose the term that works best for you, all while earning the same great rate!

Whether you’re planning for this season, next season, or the year ahead, there’s an option that can meet you where you are.

3 Months: A Quick Win for Short‑Term Goals

If you like to see progress fast, the 3‑month certificate is a great place to start. Your money grows quickly and comes right back to you before the next season rolls in.

This short‑term option works well for:

• A rainy‑day fund
• An upcoming trip or event
• Winter saving → spring spending
• Anyone who likes a quick savings cycle and easy access

It’s simple, steady growth without the long wait.

6 Months: A Half‑Year Boost When You Need It Most

Six months goes by faster than you think, and this term lines up nicely with mid‑year moments and fall planning.

Members often use it for:

• Back‑to‑school supplies
• Sports fees or extracurricular costs
• A household refresh as seasons changes
• A “half‑year, full‑boost” savings plan

It offers more time to grow, while still feeling flexible.

9 Months: Holiday‑Ready Savings

If you’ve ever wished holiday spending didn’t sneak up on you, you’re not alone. The 9‑month option is designed to help your future self out — and keep your holiday budget on track.

It’s a smart fit for:

• Gifts and celebrations
• Holiday travel
• Staying ahead of seasonal expenses
• Keeping funds tucked away until you truly need them

Think of it as your end of year peace of mind plan.

12 Months: A Full Year of Growth

For those who like a predictable routine, the 12‑month term is a dependable, longer option. Set it once and let it grow all year long.

Members choose it for:

• Bigger annual goals
• Long‑term planning
• Creating a yearly savings rhythm
• “Set it and celebrate next year” simplicity

It’s steady, intentional growth with a clear payoff.

No matter which term you choose, a share certificate gives your savings a clear purpose and a predictable path forward. It’s about matching your money to your timeline and feeling confident every step of the way.

At the end of the day, our goal is simple: to make banking easier for you. If you’re ready to explore your options or want to help deciding which term fits your goals, we’re here to guide you.

➡️Find out all about SFCU’s 2026 Growing Green Savings Challenge here!

Share certificate offer subject to change without notice. This information is for educational purposes only and should not be considered financial or legal advice.