Share Certificate (CD) in Syracuse, NY
Sidney Federal Credit Union offers a Share Certificate (CD) option, an ideal investment for members seeking a low-risk way to grow their savings. With competitive dividend rates and various term lengths, our certificates provide a secure and predictable way to achieve your financial goals. Start maximizing your savings today!
Features of a Share Certificate (CD) Account in Syracuse, NY
Competitive Dividends
Sidney Federal Credit Union's Share Certificate (CD) accounts offer competitive dividend returns, offering you financial security and predictability.
Flexible Terms
Offering a range of term options, these accounts work for both short-term savers and those planning for the longer term.
Federally Insured
Deposits are federally insured offering peace of mind and security.
Competitive Rates
We offer competitive Share Certificate (CD) rates, potentially yielding higher returns compared to standard savings accounts.
Share Certificate (CD) Rates in Syracuse, NY
View ratesCalculate your monthly savings
Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:Why Choose Us For a Share Certificate (CD) Account?
Competitive Dividend Rates
We typically offer higher dividend rates on Share Certificate accounts (CDs) compared to traditional banks, maximizing your savings growth.
Member-Focused
As a credit union, we operate with our members' best interests in mind, which means lower fees and better member service compared to for-profit banking institutions.
Comprehensive Financial Products
We also offer a wide range of products and services, including checking and savings accounts, loans, and credit cards, making us a one-stop financial institution for you.
Community Involvement
We are committed to the Syracuse, NY community, investing in local projects and charities, providing a sense of belonging and support for members and the local area.
-
1
Open an account
Start your Share Certificate account online or in a branch.
-
2
Make initial deposit
Deposit money to get started.
-
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 |
3.93% |
4.00% |
|
Fixed Rate |
91 Day |
$100,000 |
4.17% |
4.25% |
|
Fixed Rate |
6 Month |
$500 |
4.073% |
4.15% |
|
Fixed Rate |
6 Month |
$100,000 |
4.31% |
4.40% |
|
Fixed Rate |
9 Month |
$500 |
4.073% |
4.15% |
|
Fixed Rate |
9 Month |
$100,000 |
4.31% |
4.40% |
|
Special |
10 Month |
$500 |
4.89% |
5.00% |
|
Special |
10 Month |
$100,000 |
5.13% |
5.25% |
|
Fixed Rate |
12 Month |
$500 |
4.17% |
4.25% |
|
Fixed Rate |
12 Month |
$100,000 |
4.41% |
4.50% |
|
Fixed Rate |
18 Month |
$500 |
4.17% |
4.25% |
|
Fixed Rate |
18 Month |
$100,000 |
4.41% |
4.50% |
|
Fixed Rate |
24 Month |
$500 |
3.93% |
4.00% |
|
Fixed Rate |
24 Month |
$100,000 |
4.17% |
4.25% |
|
Fixed Rate |
30 Month |
$500 |
3.93% |
4.00% |
|
Fixed Rate |
30 Month |
$100,000 |
4.17% |
4.25% |
|
Fixed Rate |
36 Month |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
36 Month |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
48 Month |
$500 |
3.203% |
3.25% |
|
Fixed Rate |
48 Month |
$100,000 |
3.445% |
3.50% |
|
Fixed Rate |
60 Month |
$500 |
3.445% |
3.50% |
|
Fixed Rate |
60 Month |
$100,000 |
3.69% |
3.75% |
|
Variable Rate |
12 Month |
$10,000 |
4.17% |
4.25% |
|
Variable Rate |
24 Month |
$10,000 |
3.93% |
4.00% |
|
Variable Rate |
36 Month |
$10,000 |
3.202% |
3.25% |
as of 09/01/2024
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.
Open a Share Certificate
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Open Account
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.