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. All loans subiect to approval. The promotional Annual Percentage Yield (APY) listed is effective as of 4/24/2025 and is subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit $500. For amounts of $500 – $99.999 99 the Annugl Percentage Yield (APY) is 4 00% on these products. For amounts over $100.000 the Annual Percentage Yield (APY) is 4.15% on these products. 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.
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** |
3.93% |
4.00% |
4.07% |
4.15% |
|
18 month |
2.47% |
2.50% |
2.47% |
2.50% |
|
23 month PROMO** |
3.93% |
4.00% |
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 **Promo rates are for investments not previously held at Superior Choice Credit Union 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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