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.
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2
Make initial deposit
Deposit some money to get started.
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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 to Open | Dividend Rate (APR) | Annual Percentage Yield (APY) |
---|---|---|---|---|
Fixed Rate |
91 Day |
$500 |
3.445% |
3.50% |
Fixed Rate |
91 Day |
$100,000 |
3.687% |
3.75% |
Fixed Rate - Special |
4 Month |
$500 |
4.169% |
4.25% |
Fixed Rate - Special |
4 Month |
$100,000 |
4.41% |
4.50% |
Fixed Rate |
6 Month |
$500 |
3.687% |
3.75% |
Fixed Rate |
6 Month |
$100,000 |
3.929% |
4.00% |
Fixed Rate |
9 Month |
$500 |
3.687% |
3.75% |
Fixed Rate |
9 Month |
$100,000 |
3.929% |
4.00% |
Fixed Rate |
12 Month |
$500 |
4.169% |
4.25% |
Fixed Rate |
12 Month |
$100,000 |
4.41% |
4.50% |
Fixed Rate - Sprout Saver |
12 Month |
$25 |
4.169% |
4.25% |
Fixed Rate |
18 Month |
$500 |
3.687% |
3.75% |
Fixed Rate |
18 Month |
$100,000 |
3.929% |
4.00% |
Fixed Rate |
24 Month |
$500 |
3.445% |
3.50% |
Fixed Rate |
24 Month |
$100,000 |
3.687% |
3.75% |
Fixed Rate |
30 Month |
$500 |
3.203% |
3.25% |
Fixed Rate |
30 Month |
$100,000 |
3.445% |
3.50% |
Fixed Rate |
36 Month |
$500 |
2.96% |
3.00% |
Fixed Rate |
36 Month |
$100,000 |
3.203% |
3.25% |
Fixed Rate |
48 Month |
$500 |
2.96% |
3.00% |
Fixed Rate |
48 Month |
$100,000 |
3.203% |
3.25% |
Fixed Rate |
60 Month |
$500 |
3.203% |
3.25% |
Fixed Rate |
60 Month |
$100,000 |
3.445% |
3.50% |
Variable Rate |
12 Month |
$10,000 |
4.169% |
4.25% |
Variable Rate |
24 Month |
$10,000 |
3.445% |
3.50% |
Variable Rate |
36 Month |
$10,000 |
2.96% |
3.00% |
as of 09/23/2024
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
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