CD Rates

IRA Certificate Rates

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

 12 Months24 Months36 Months
Starting atRateAPYRateAPYRateAPY
$25,0000.75%0.753%1.00%1.005%1.15%1.156%
$75,0001.00%1.004%1.15%1.156%1.25%1.257%
$100,0001.00%1.004%1.25%1.257%1.50%1.51%

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 April 1, 2020

 6 Months12 Months24 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.35%0.35%0.40%0.40%0.50%0.502%
$10,000+0.45%0.45%0.50%0.502%0.65%0.651%

^^ = 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 April 1, 2020

 36 Months48 Months60 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.60%0.603%0.75%0.753%1.00%1.005%
$10,000+1.00%1.004%1.15%1.156%1.50%1.51%

(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)