CD Rates

IRA Certificate Rates

All certificates are compounded and paid monthly
Rates effective as of September 1, 2018

 12 Months24 Months36 Months
Starting atRateAPYRateAPYRateAPY
$25,0001.45%1.459%1.65%1.663%2.00%2.018%
$75,0001.50%1.51%1.85%1.866%2.25%2.273%
$100,0001.60%1.612%2.25%2.273%2.50%2.529%

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 September 1, 2018

 6 Months12 Months24 Months
Starting atRateAPYRateAPYRateAPY
$5,0000.35%0.35%0.75%0.753%1.50%1.51%
$10,000+0.40%0.401%0.80%0.803%1.60%1.612%

^^ = Earn up to .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 September 1, 2018

 36 Months48 Months60 Months
Starting atRateAPYRateAPYRateAPY
$5,0001.75%1.764%2.00%2.018%2.25%2.273%
$10,000+1.80%1.815%2.10%2.12%2.30%2.324%

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

^^ = Earn up to .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)