Put your money to work
Don't let your money just sit in an account without earning dividends. Earn a higher rate with a Share Certificate from SFCU.
Earn Dividends
Earn dividends on your Share Certificate balance, so you can put your money to work. It's like getting paid without having to do anything!
Dividends Compound Monthly
Earn dividends on your dividends! Get more than accounts that pay simple interest with dividends compounding every month.
Flexible Terms
Choose a term that works for your budget and goals, with flexible options available from 91 days to 5 years.
Flexible Options
Receive your dividends in a way that works best for you. You can choose to reinvest, transfer, or cash out with a mailed check.
Rates
View ratesCalculate your monthly savings
Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:Earn more with a Share Certificate
Share Certificates earn dividends that regular checking and saving accounts don't. You can put your money to work to grow your savings. Even better, dividends compound monthly, so you can earn dividends on your dividends!
Transfer as little as $500 or much more to get started
Put your money where it works harder. Transfer up to $1 million from another financial institution to your new SFCU share certificate when you open your certificate online, so you can make the most of your savings dollars.
Receive your dividends in a way that works for you
Your dividends are your earnings, so you should be able to do with them what you want! At SFCU, we offer flexible options, so you can do whatever works best for you.
Reinvest
Put your earnings right back into your Share Certificate, so you can earn dividends on your dividends and watch your savings grow!
Transfer
Swap your dividends to another account so you can use it, stash it, or do anything else you want.
Mail a Check
Get a check in the mail every month with your dividend earnings, so you can do whatever you want with your money.
Whenever help is needed they are always ready to help and resolve.
-
1
Open an account
Start your Share Certificate online or in branch.
-
2
Make initial deposit
Deposit some money to get started.
-
3
Earn dividends
Sit back and watch your savings grow.
Have a question? Get in touch with us
Make your money work as hard as you do
With a Share Certificate from SFCU, you can earn monthly dividends on your account balance to help you grow your savings even faster.
Regular Certificates Rates
| Type of Certificate | Term | Minimum Balance | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Fixed Rate |
91 Day |
$500 |
2.00% |
2.02% |
|
$100,000 + over |
2.25% |
2.27% |
||
|
6 Month |
$500 |
2.25% |
2.27% |
|
|
$100,000 + over |
2.50% |
2.53% |
||
|
9 Month |
$500 |
2.50% |
2.53% |
|
|
$100,000 + over |
2.75% |
2.78% |
||
|
12 Month |
$500 |
3.00% |
3.04% |
|
|
$100,000 + over |
3.25% |
3.30% |
||
|
18 Month |
$500 |
3.25% |
3.30% |
|
|
$100,000 + over |
3.50% |
3.56% |
||
|
24 Month |
$500 |
3.75% |
3.82% |
|
|
$100,000 + over |
4.00% |
4.07% |
||
|
30 Month |
$500 |
2.25% |
2.27% |
|
|
$100,000 + over |
2.50% |
2.53% |
||
|
36 Month |
$500 |
2.50% |
2.53% |
|
|
$100,000 + over |
2.75% |
2.78% |
||
|
48 Month |
$500 |
2.75% |
2.78% |
|
|
$100,000 + over |
3.00% |
3.04% |
||
|
60 Month |
$500 |
3.00% |
3.04% |
|
|
$100,000 + over |
3.25% |
3.30% |
||
|
Variable Rate |
12 Month |
$10,000 |
3.00% |
3.04% |
|
24 Month |
$10,000 |
3.75% |
3.82% |
|
|
36 Month |
$10,000 |
2.50% |
2.53% |
as of 04/15/2024
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
All certificates are subject to the following dividend penalties. Terms of 91 days, 6 months, 9 months are subject to a 90 day penalty of dividends. Terms of 12, 18, 24, 30, 36, 48 and 60 months are subject to a 180 day penalty of dividends. A penalty will be charged if a withdrawal is made prior to the maturity date. The penalty could result in a deduction of principal.
APR= Annual Percentage Rate. APY = Annual Percentage Yield. The APY is based on an assumption that dividends will remain on deposit until maturity. Rates are reviewed weekly and are subject to change without notice. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. Membership eligibility required. Specials are subject to change without notice and restrictions may apply. Withdrawals, deposits or change of terms can only be done without penalty on or within 5 business days after the maturity date. Fees may reduce earnings on account.
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Rates effective as of: April 19, 2024
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