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Share Certificates

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

Open a Share Certificate

Earn dividends

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

Dividends compounded monthly

Earn dividends on your dividends with interest compounding every month.

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.

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.

Rates as high as APY

View all rates

Run the numbers

Final Balance

Contributions: | Earnings:

Initial Deposit

Interest Rate

Monthly Contribution

Months

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 $2,500 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-interest Share Certificate account to make the best use of your money.

Open a Share Certificate

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Rates

Share Certificate Rates

Minimum Balance

$2,500.00 - $9,999.99

$10,000.00 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

Over $100,000

Term

A.P.Y*

Dividend

A.P.Y*

Dividend

A.P.Y*

Dividend

A.P.Y*

Dividend

A.P.Y*

Dividend

3 months

0.10%

0.15%

0.20%

0.25%

6 months

0.20%

0.25%

0.30%

0.35%

0.40%

1 year

0.45%

0.50%

0.55%

0.60%

0.65%

18 months

0.45%

0.50%

0.55%

0.60%

0.65%

2 year

0.55%

0.60%

0.65%

0.70%

0.75%

30 months

0.55%

0.60%

0.65%

0.70%

0.75%

3 year

0.65%

0.70%

0.75%

0.80%

0.85%

4 year

0.75%

0.80%

0.85%

0.90%

0.95%

5 year

0.85%

0.90%

0.95%

1.00%

1.05%

7 year

1.50%

1.49%

1.50%

1.49%

1.50%

1.49%

1.50%

1.49%

1.50%

1.49%

*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.

Example Table 1

Column Title

Cell Value

Rates Effective as of: January 23, 2022

{Optional: Insert table disclosure information}

Share Certificates

Earn dividends

Dividends compounded monthly

Flexible terms

Locked-in rates

Make your money work as hard as you do

Run the numbers

Final Balance

Why choose us?

How to get started

Don't leave your money just sitting around

You might also be interested in

FAQ Example 1

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FAQ Example 3

FAQ Example 4

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