CD Rates

Share Certificate Rates – Short Term^^

All certificates are compounded and paid monthly
Rates effective as of July 1, 2020

 6 Months12 Months24 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.15%0.15%0.20%0.20%0.25%0.25%
$10,000+0.20%0.20%0.30%0.30%0.40%0.40%

^^ = 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, 2020

 36 Months48 Months60 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.30%0.30%0.35%0.35%0.50%0.502%
$10,000+0.50%0.502%0.60%0.603%0.75%0.753%

(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)

IRA Certificate Rates

All certificates are compounded and paid monthly
Rates effective as of June 1, 2020

 12 Months24 Months36 Months
Starting atRateAPYRateAPYRateAPY
$25,0000.25%0.25%0.45%0.45%0.65%0.651%
$75,0000.45%0.45%0.65%0.651%1.00%1.004%
$100,0000.50%0.502%0.75%0.753%1.15%1.156%

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.