Certificates
A great choice for low-risk investments.
Opening Deposit
$500Avoid Fees
Leave funds in certificate until term ends.
Dividends Options
Transfer to an account, receive by mail, or leave in certificate to compound.
Earn Dividends
Longer terms yield higher dividend rates.
Questions? 800-868-8740
Dividend Returns
Certificates With Rate Increase
Loyalty and Relationship Checking account owners earn an additional 0.25%.
- TermDividend Rate Annual % Yield
- Term:
3+ months
Dividend Rate:2.75%
Annual % Yield:2.78%
- Term:
6+ months
Dividend Rate:4.00%
Annual % Yield:4.04%
- Term:
12+ months
Dividend Rate:3.75%
Annual % Yield:3.80%
- Term:
18+ months
Dividend Rate:3.50%
Annual % Yield:3.55%
- Term:
24+ months
Dividend Rate:3.25%
Annual % Yield:3.29%
- Term:
36+ months
Dividend Rate:2.80%
Annual % Yield:2.83%
- Term:
48+ months
Dividend Rate:2.75%
Annual % Yield:2.78%
- Term:
60+ months
Dividend Rate:2.75%
Annual % Yield:2.78%
Standard Certificate
- TermDividend Rate Annual % Yield
- Term:
3+ months
Dividend Rate:2.50%
Annual % Yield:2.52%
- Term:
6+ months
Dividend Rate:3.75%
Annual % Yield:3.79%
- Term:
12+ months
Dividend Rate:3.50%
Annual % Yield:3.55%
- Term:
18+ months
Dividend Rate:3.25%
Annual % Yield:3.29%
- Term:
24+ months
Dividend Rate:3.00%
Annual % Yield:3.03%
- Term:
36+ months
Dividend Rate:2.55%
Annual % Yield:2.57%
- Term:
48+ months
Dividend Rate:2.50%
Annual % Yield:2.52%
- Term:
60+ months
Dividend Rate:2.50%
Annual % Yield:2.52%
Rates effective as of October 7, 2024
Minimum opening deposit is $500. Dividends on regular certificates may be added to the certificate balance, automatically transferred to another account, or mailed to you. Dividends on IRA certificates will be added to the balance. You must maintain an average daily balance equal to or greater than the minimum opening deposit to earn the annual percentage yield and avoid any service charges set forth in the Schedule.
For certificates with a term of less than 12+ months, dividends are credited and compounded at maturity. For certificates with a term of 12+ months or more, dividends are credit and compounded quarterly. Certificates with a term of less than 12+ months are not available for IRAs. Early withdrawal penalties apply and will be calculated at the rate paid on the deposit at the time of withdrawal, even if it reduces the principal balance.
See All Rates
Youth Certificates of Deposit
Start investing for a member 17 and under. See account details.
Money Management Account
Another option for safe investment. See account details.
Your savings are insured.
The National Credit Union Administration, a US Government agency, insures SCU deposits up to $250,000, per individual depositor.