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Share Certificate Rates – Short Term^
All certificates are compounded and paid monthly
Rates effective as of December 1, 2022
| Certificate Amount | 6 Month Rate | 6 Month APY | 12 Month Rate | 12 Month APY | 24 Month Rate | 24 Month APY |
|---|---|---|---|---|---|---|
| Starting at $5,000 | 2.50% | 2.506% | 2.55% | 2.556% | 2.60% | 2.607% |
| Starting at $10,000+ | 2.95% | 2.957% | 3.00% | 3.058% | 3.05% | 3.058% |
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 December 1, 2022
| Certificate Amount | 36 Month Rate | 36 Month APY | 48 Month Rate | 48 Month APY | 60 Month Rate | 60 Month APY |
|---|---|---|---|---|---|---|
| Starting at $5,000 | 2.65% | 2.657% | 2.70% | 2.708% | 2.75% | 2.760% |
| Starting at $10,000+ | 3.10% | 3.110% | 3.15% | 3.164% | 3.20% | 3.218% |
(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 December 1, 2022
| Certificate Amount | 12 Month Rate | 12 Month APY | 24 Month Rate | 24 Month APY | 36 Month Rate | 36 Month APY |
|---|---|---|---|---|---|---|
| Starting at $25,000 | 2.45% | 2.464% | 2.60% | 2.617% | 2.75% | 2.77% |
| Starting at $75,000 | 2.50% | 2.515% | 2.65% | 2.668% | 2.90% | 2.923% |
| Starting at $100,000 | 2.60% | 2.617% | 2.70% | 2.719% | 3.00% | 3.025% |
(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.
