CD Rates

Share Certificate Rates – Short Term^

All certificates are compounded and paid monthly
Rates effective as of November 1, 2022

Certificate Amount6 Month Rate6 Month APY12 Month Rate12 Month APY24 Month Rate24 Month APY
Starting at $5,0001.10%1.10%1.15%1.15%1.20%1.20%
Starting at $10,000+1.20%1.20%1.25%1.25%1.35%1.35%

Earn up to 0.50% more^^  over our standard Share Certificate Rates (ask us how)

Share Certificate Rates – Long Term^^

All certificates are compounded and paid monthly
Rates effective as of November 1, 2022

Certificate Amount36 Month Rate36 Month APY48 Month Rate48 Month APY60 Month Rate60 Month APY
Starting at $5,0001.25%1.25%1.30%1.30%1.45%1.45%
Starting at $10,000+1.50%1.50%1.75%1.75%2.00%2.00%

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

IRA Certificate Rates

All certificates are compounded and paid monthly
Rates effective as of November 1, 2022

Certificate Amount12 Month Rate12 Month APY24 Month Rate24 Month APY36 Month Rate36 Month APY
Starting at $25,0001.70%1.70%1.85%1.85%2.00%2.00%
Starting at $75,0001.75%1.75%1.90%1.90%2.15%2.15%
Starting at $100,0001.85%1.85%1.95%1.95%2.25%2.25%

(An early withdrawal penalty may be imposed)
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.