Limited time offer: Earn 100x more than a regular savings account
A Share Certificate is a safe, easy way to earn a high savings rate on your money. All you need to do is leave your money in the account for a set amount of time, or "term".
For a limited time, earn as high as 5.40% APY.
Limted time offer - Fixed Share Certificates
Minimum Deposit: $500 or $100,000
Rates: As high as 5.15-5.40%
Terms: 9-15 months
Fixed Share Certificates - $500
Minimum Deposit: $500
Rates: As high as 3.82%
Terms: 91 days-60 months
Variable Rate Share Certificates
Minimum Deposit: $10,000
Rates: As high as 3.82%
Terms: 12-36 months
Fixed Share Certificates - $100,000
Minimum Deposit: $100,000
Rates: As high as 4.07%
Terms: 91 days-60 months
Account Features
Earn Dividends
Earn dividends on your Share Certificate balance, so you can put your money to work. It's like getting paid without having to do anything!
Dividends Compound Monthly
Earn dividends on your dividends! Get more than accounts that pay simple interest with dividends compounding every month.
Flexible Terms
Choose a term that works for your budget and goals, with flexible options available from 91 days to 5 years.
Flexible Options
Receive your dividends in a way that works best for you. You can choose to reinvest, transfer, or cash out with a mailed check.
Earn more with a Share Certificate
Share Certificates earn dividends that regular checking and saving accounts don't. You can put your money to work to grow your savings. Even better, dividends compound monthly, so you can earn dividends on your dividends!
Transfer as little as $500 or much more to get started
Put your money where it works harder. Transfer up to $1 million from another financial institution to your new SFCU share certificate when you open your certificate online, so you can make the most of your savings dollars.
Receive your dividends in a way that works for you
Your dividends are your earnings, so you should be able to do with them what you want! At SFCU, we offer flexible options, so you can do whatever works best for you.
Reinvest
Put your earnings right back into your Share Certificate, so you can earn dividends on your dividends and watch your savings grow!
Transfer
Swap your dividends to another account so you can use it, stash it, or do anything else you want.
Mail a Check
Get a check in the mail every month with your dividend earnings, so you can do whatever you want with your money.
Whenever help is needed they are always ready to help and resolve.
-
1
Open an account
Start your Share Certificate online or in branch.
-
2
Make initial deposit
Deposit some money to get started.
-
3
Earn dividends
Sit back and watch your savings grow.
Have a question? Get in touch with us
Make your money work as hard as you do
With a Share Certificate from SFCU, you can earn monthly dividends on your account balance to help you grow your savings even faster.
Limited time offer: Earn 100x more than a regular savings account
A Share Certificate is a safe, easy way to earn a high savings rate on your money. All you need to do is leave your money in the account for a set amount of time, or "term".
For a limited time, earn as high as 5.40% APY.
Min. Deposit: $500
6 Months 5.00% APY*Min. Deposit: $100,000
6 Months 5.25% APY*Final Balance
Contributions: | Earnings:91 Days
As high as 2.02% APY*6-60 Months
As high as 3.82% APY*Final Balance
Contributions: | Earnings:91 Days
As high as 2.27% APY*6-60 Months
As high as 4.07% APY*Final Balance
Contributions: | Earnings:Fixed Certificate Rates ($100,000)
| Term | Annual Percentage Yield (APY) |
|---|---|
|
91 Day |
2.27% |
|
6 Month |
0.80% |
|
9 Month |
0.85% |
|
12 Month |
1.51% |
|
18 Month |
1.77% |
|
24 Month |
4.07% |
|
30 Month |
2.38% |
|
36 Month |
2.53% |
|
48 Month |
2.78% |
|
60 Month |
3.04% |
as of 2/7/23
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
The APY is based on an assumption that dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal.
All certificates are subject to the following dividend penalties.Terms of 91 days, 6 months, 9 months, 12 months and 15 months are subject to a 30 day penalty of dividends. Terms of 18 months, 20 months and 24 months are subject to a 90 day penalty of dividends. Terms of 30 months, 32 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.
*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.
Fixed Certificate Rates
| Term | Annual Percentage Yield (APY) |
|---|---|
|
91 Day |
2.02% |
|
6 Month |
0.80% |
|
9 Month |
0.85% |
|
12 Month |
1.51% |
|
18 Month |
3.30% |
|
24 Month |
3.82% |
|
30 Month |
2.38% |
|
36 Month |
2.53% |
|
48 Month |
2.78% |
|
60 Month |
3.04% |
as of 2/7/23
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
The APY is based on an assumption that dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal.
All certificates are subject to the following dividend penalties.Terms of 91 days, 6 months, 9 months, 12 months and 15 months are subject to a 30 day penalty of dividends. Terms of 18 months, 20 months and 24 months are subject to a 90 day penalty of dividends. Terms of 30 months, 32 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.
*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.
| Term | APY* |
|---|---|
|
9 Month |
5.15% |
|
12 Month |
5.15% |
|
15 Month |
5.15% |
| Term | APY* |
|---|---|
|
9 Month |
5.40% |
|
12 Month |
5.40% |
|
15 Month |
5.41% |
as of 12/01/23 Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes. All certificates are subject to the following dividend penalties. Terms of 91 days, 6 months, 9 months are subject to a 90 day penalty of dividends. Terms of 12, 18, 24, 30 and 36 months are subject to a 180 day penalty of dividends. A penalty will be charged if a withdrawal is made prior to the maturity date. The penalty could result in a deduction of principal. APR= Annual Percentage Rate. APY = Annual Percentage Yield. The APY is based on an assumption that dividends will remain on deposit until maturity. Rates are reviewed weekly and are subject to change without notice. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. Membership eligibility required. Specials are subject to change without notice and restrictions may apply. Withdrawals, deposits or change of terms can only be done without penalty on or within 5 business days after the maturity date. Fees may reduce earnings on account.
Variable Rate Share Certificates
This certificate provide investors with the opportunity to potentially earn higher returns when market conditions are favorable, making them a dynamic and attractive investment choice. Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.*
Minimum Deposit: $10,000
Rates
View Rates Details12 Month
3.04% APY*24 Month
3.82% APY*36 Month
2.53 APY*Calculate your earnings
Final Balance
Contributions: | Earnings:Variable Certificates Rates
| Term | APY* |
|---|---|
|
12 Month |
1.51% |
|
24 Month |
2.27% |
|
36 Month |
2.53% |
as of 2/7/23
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
The APY is based on an assumption that dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal.
All certificates are subject to the following dividend penalties.Terms of 91 days, 6 months, 9 months, 12 months and 15 months are subject to a 30 day penalty of dividends. Terms of 18 months, 20 months and 24 months are subject to a 90 day penalty of dividends. Terms of 30 months, 32 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.
*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.
Regular Certificates Rates
| Type of Certificate | Term | Minimum Balance required to open and obtain the Annual Percentage Yield | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Fixed Rate |
91 Day |
$500 |
0.70% |
0.70% |
|
$100,000 + over |
0.95% |
0.95% |
||
|
6 Month |
$500 |
0.80% |
0.80% |
|
|
$100,000 + over |
1.05% |
1.06% |
||
|
9 Month |
$500 |
0.85% |
0.85% |
|
|
$100,000 + over |
1.10% |
1.11% |
||
|
12 Month |
$500 |
1.50% |
1.51% |
|
|
$100,000 + over |
1.75% |
1.77% |
||
|
15 Month (Special) |
$5000 |
4.31% |
4.40% |
|
|
200000 |
4.55% |
4.65% |
||
|
18 Month |
$500 |
1.75% |
1.77% |
|
|
$100,000 + over |
2.00% |
2.02% |
||
|
24 Month |
$500 |
2.25% |
2.27% |
|
|
$100,000 + over |
2.50% |
2.53% |
||
|
30 Month |
$500 |
2.35% |
2.38% |
|
|
$100,000 + over |
2.60% |
2.63% |
||
|
36 Month |
$500 |
2.50% |
2.53% |
|
|
$100,000 + over |
2.75% |
2.78% |
||
|
48 Month |
$500 |
2.75% |
2.78% |
|
|
$100,000 + over |
3.00% |
3.04% |
||
|
60 Month |
$500 |
3.00% |
3.04% |
|
|
$100,000 + over |
3.25% |
3.30% |
||
|
Variable Rate |
12 Month |
$10,000 |
1.50% |
1.51% |
|
24 Month |
$10,000 |
2.25% |
2.27% |
|
|
36 Month |
$10,000 |
2.50% |
2.53% |
as of 2/7/23
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
The APY is based on an assumption that dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal.
All certificates are subject to the following dividend penalties.Terms of 91 days, 6 months, 9 months, 12 months and 15 months are subject to a 30 day penalty of dividends. Terms of 18 months, 20 months and 24 months are subject to a 90 day penalty of dividends. Terms of 30 months, 32 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.
*APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.
Open a Share Certificate
Already have a SFCU account?
We’ll pre-fill your application
New to SFCU?
Takes about 4 minutes
Additional Information
-
If you already have an account with us, then follow these steps to open a Share Certificate:
- Use the “Log In” link above to log in to Online Banking.
- Next, go to the Account Services menu and select ‘xPress Accounts’ (in the mobile app, see the option labeled “More”).
- Then, select Share Certificate from the options.
-
We’d love for you to join the SFCU family! Anyone who lives, works, worships, attends school or regularly conducts business in the following New York Counties or Towns is eligible to become a member with SFCU:
- Chenango
- Cortland
- Delaware
- Essex
- Fulton
- Hamilton
- Madison
- Montgomery
- Onondaga
- Otsego
- Schoharie
- Colesville, Sandford, and Windsor Towns in Broome County
- Sangerfield, Bridgewater, Augusta, Marshall, Paris, Vernon and Kirland Towns in Oneida County
- Winfield, Litchfield, Columbia, Warren, Stark, Danube, Frankfort and German Flats Towns in Herkimer County
This also includes, employees of SFCU, immediate family or household members, organizations of such persons, and corporate or other legal entities.
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Rates effective as of: November 9, 2024
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