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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

  • Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

    Here is all you need to do:

    1. Provide Routing Number, which is 221379905
    2. Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
    3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

    It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.


  • You can find a detailed Service Fee Schedule here.

  • At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

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.