CD Rates

IRA Certificate Rates

All certificates are compounded and paid monthly
Rates effective as of July 1, 2019

 12 Months24 Months36 Months
Starting atRateAPYRateAPYRateAPY
$25,0001.65%1.66%1.85%1.866%2.20%2.222%
$75,0001.70%1.71%2.05%2.069%2.45%2.477%
$100,0001.80%1.814%2.45%2.477%2.70%2.733%

Rate = Interest Rate
APY = Annual Percentage Yield

Must be a member and have a basic savings account to open the basic IRA account. The minimum of at least $100.00 must be maintained in the basic IRA account to earn a dividend.  The IRA owner may invest in a SFCU IRA Certificate once they have met the minimum requirements. The minimum to invest in an IRA Certificate is $25,000 with maximum term of 36 months.

Share Certificate Rates – Short Term^^

All certificates are compounded and paid monthly
Rates effective as of July 1, 2019

 6 Months12 Months24 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.55%0.551%0.95%0.954%1.70%1.71%
$10,000+0.65%0.651%1.00%1.004%1.80%1.81%

^^ = Earn up to 0.50% more above our standard certificate rates through our It Pays to be a Member! program. Ask about it today! (This does not apply to the IRA rates)

Share Certificate Rates – Long Term^^

All certificates are compounded and paid monthly
Rates effective as of July 1, 2019

 36 Months48 Months60 Months
Starting atRateAPYRateAPYRateAPY
$5,0001.95%1.967%2.20%2.222%2.45%2.477%
$10,000+2.00%2.018%2.30%2.324%2.50%2.528%

(An early withdrawal penalty may be imposed)
Rate = Interest Rate
APY = Annual Percentage Yield

^^ = Earn up to 0.50% more above our standard certificate rates through our It Pays to be a Member! program. Ask about it today! (This does not apply to the IRA rates)