SHARE CERTIFICATES
Make the best use of your money and earn higher rates with a Share Certificate account from SCCU.
Earn dividends
Get better rates than most checking and short-term savings accounts for higher dividends.
Flexible terms
Lock in your money for a timeframe that works for you with flexible terms from three months to five years.
Locked-in rates
Rely on predictable growth with competitive locked-in rates that won't change over the term of your certificate.
A Special Certificate just for the KIDS
3.00% APY for 12 Months. Available up to age 24. Share Certificates have only a $100 minimum deposit!
Make your money work as hard as you do
With a Share Certificate account, you'll get higher rates of return compared to standard checking or short-term savings accounts. Earn dividends on your deposits to help you reach your financial goals even faster.
Run the numbers
Final Balance
Contributions: | Earnings:A credit union with a focus on you
Why choose us?
When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.
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1
Open an account
Fill out the online form and open your SCCU account.
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2
Make an initial deposit
Share Certificates have a $500 minimum initial deposit
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3
Start earning dividends
Dividends are compounded monthly. Sit back and watch your savings grow.
Don't leave your money just sitting around
If you have savings you aren't going to use for a while, put them in a high earning Share Certificate account to make the best use of your money.
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*APY = Annual Percentage Yield. APY Effective as of 4.24.25. Minimum balance to open and earn APY is $500. Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice.
**Membership eligibility required. The promotional Annual Percentage Yield (APY) listed is effective as of 6/3/2025 and is subject to change at any time, without notice. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Minimum deposit $500. Available only for investments previously held outside of Superior Choice Credit Union. Contact an employee for further information about applicable fees and terms. Other restrictions may apply.
***Membership eligibility is required. All loans are subject to credit approval. The promotional Annual Percentage Yield (APY) is effective as of 08/01/2025 and may change at any time without prior notice. Minimum deposit to open is $500. Fees may reduce earnings. Early withdrawal may result in penalties. This offer applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term. The timing of this rate increase must be requested by the member and is based on the rate of another share certificate currently offered by Superior Choice Credit Union at that time. Funds used to open the certificate may come from either existing accounts at Superior Choice Credit Union or from external sources. For complete details on applicable fees and terms, please speak with a credit union representative. Additional restrictions may apply. Promotion subject to change or end at any time.
Share Certificate Rates
| Minimum Balance | $500.00 - $99,999.99 | $500.00 - $99,999.99 | $100,000 and up | $100,000 and up |
|---|---|---|---|---|
|
Term |
Dividend Rate |
APY* |
Dividend Rate |
APY |
|
3 months |
0.30% |
0.30% |
0.30% |
0.30% |
|
6 months |
3.20% |
3.25% |
3.20% |
3.25% |
|
1 year |
2.96% |
3.00% |
2.96% |
3.00% |
|
13 month PROMO Raise Your Rate** |
4.07% |
4.15% |
4.07% |
4.15% |
|
18 month |
2.47% |
2.50% |
2.47% |
2.50% |
|
23 month PROMO Raise Your Rate** |
4.07% |
4.15% |
4.07% |
4.15% |
|
24 month |
2.47% |
2.50% |
2.47% |
2.50% |
|
30 months |
2.47% |
2.50% |
2.47% |
2.50% |
|
3 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
4 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
5 year |
2.23% |
2.25% |
2.23% |
2.25% |
|
7 year |
1.99% |
2.00% |
1.99% |
2.00% |
*APY = Annual Percentage Yield **Membership eligibility is required. All loans are subject to credit approval. The promotional Annual Percentage Yield (APY) is effective as of 08/01/2025 and may change at any time without prior notice. Minimum deposit to open is $500. Fees may reduce earnings. Early withdrawal may result in penalties. This offer applies exclusively to Raise Your Rate Share Certificates, which allow a one-time rate increase during the certificate term. The timing of this rate increase must be requested by the member and is based on the rate of another share certificate currently offered by Superior Choice Credit Union at that time. Funds used to open the certificate may come from either existing accounts at Superior Choice Credit Union or from external sources. For complete details on applicable fees and terms, please speak with a credit union representative. Additional restrictions may apply. Promotion subject to change or end at any time Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. The above rates are subject to change at any time without notice.
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