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Variable Share Certificate

Let your money do the work.

Have your Share Certificates rate adjust according to the federal rate. Ride the rate wave and allow your money to work for you! Can reach up to 7.00% APY!

Variable Share Certificates are NEW!

What is a Variable Share Certificate?

A Variable Rate Share Certificate is a 36-month term share certificate that’s rate will adjust at the beginning of each month based on what the federal rate is. If the federal rate goes up, then so does your certificate! This certificate can reach up to a 7.00% APY. This allows you to put your money in a certificate for 3 years and not worry about when rates be best.


5.00% APY*

Start Earning!

Calculate those savings

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
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Earn monthly compounded dividends


Variable rate

Receive money

$500 minimum deposit

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3 Year Term

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 your deposit

    Share Certificates have only a $500 minimum deposit!

  • 3

    Start earning dividends

    Dividends are compounded monthly. Sit back and watch your savings grow.

Stop wasting your time

Make your money do the work for you

*Federally insured by NCUA.

*APY =Annual Percentage Yield. Annual Percentage Yield effective 11/1/2023 when you open a variable rate certificate with a minimum $500 deposit. Rate varies every month after account opening and rate changes will go into effect the first of the month. Dividend rate will never be less than 2.00% APY but never higher than 7.00% APY. They APY is based on an 36-month term. Β There is no limit to the amount a dividend rate may change month to month.Β  Subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings.


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