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.
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.
-
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 8.14.23. 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.
Share Certificate Rates
| Minimum Balance | $500.00 - $99,999.99 | $500.00 - $99,999.99 | Above $100,000 | Above $100,000 |
|---|---|---|---|---|
|
Term |
Dividend Rate |
APY* |
Dividend Rate |
APY* |
|
3 months |
0.30% |
0.30% |
0.40% |
0.40% |
|
6 months |
0.50% |
0.50% |
0.60% |
0.60% |
|
1 year |
2.10% |
2.12% |
2.20% |
2.22% |
|
18 month |
2.50% |
2.53% |
2.60% |
2.63% |
|
24 month |
3.05% |
3.09% |
3.15% |
3.20% |
|
30 months |
3.05% |
3.09% |
3.15% |
3.20% |
|
3 year |
2.40% |
2.42% |
2.50% |
2.53% |
|
4 year |
2.50% |
2.53% |
2.60% |
2.63% |
|
5 year |
2.75% |
2.78% |
2.85% |
2.89% |
|
7 year |
3.00% |
3.04% |
3.10% |
3.14% |
*APY = Annual Percentage Yield 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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