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Share Certificates

Make the best use of your money and earn higher rates with a Share Certificate account from SCCU.

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Earn dividends

Get better rates than most checking and short-term savings accounts for higher dividends.

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Flexible terms

Lock in your money for a timeframe that works for you with flexible terms from three months to five years.

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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!

New Share Certificate

6 Month 5.25% APY

For those seeking quick growth without the long wait!

Earn dividends

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.

Current Rates as high as APY*

View all rates

Run the numbers

Final Balance

Contributions:     |    Earnings: 
Initial Deposit

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.

How to get started

It's simple to open a Share Certificate and start earning dividends. Just follow these easy steps:

  • 1

    Open an account

    Fill out the online form and open your SCCU account.

  • 2

    Make an initial deposit

    Share Certificates have a $500 minimum initial deposit

  • 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 10.18.23. 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.

Heads Up! Online Banking will be down June 22nd/23rd, from 7pm to 8am for system updates.