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Share Certificates

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.

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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.


View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Earn Dividends

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!

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Transfer Amounts

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.

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Flexible Options

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.

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Put your earnings right back into your Share Certificate, so you can earn dividends on your dividends and watch your savings grow!

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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.

Frequently Asked Questions

  • Routing#: 221379905

  • The NCUA provides a handy Share Insurance Toolkit at

  • 9 MONTH SHARE CERTIFICATE – beginning 4/3/2023

    5.00% APY* with a $100,000 Minimum Balance


    4.75% APY* with a $500 Minimum Balance

    New Money Only

    RATES     |          877.642.7328          |          OPEN TODAY 

    *APY = Annual Percentage Yield. APY for the 9-Month term accurate as of 04/03/2023. Offer valid for new money only and does not apply to funds already on deposit with SFCU. $100,000 minimum balance required for the 5.00% APY and a $500 minimum balance is required for the 4.75% APY. Rates are reviewed weekly and are subject to change at any time without notice. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is made prior to the maturity date. Fees may reduce earnings on account. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Membership eligibility required.


Whenever help is needed they are always ready to help and resolve.

— Carl D

How it works

It is as simple as 1-2-3 to get started

  • 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.

Open a Share Certificate


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.

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