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
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Competitive Dividends
Sidney Federal Credit Union's Share Certificate (CD) accounts offer competitive dividend returns, offering you financial security and predictability.
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Flexible Terms
Offering a range of term options, these accounts work for both short-term savers and those planning for the longer term.
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Federally Insured
Deposits are federally insured offering peace of mind and security.
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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
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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.
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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 |
3.93% |
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.
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