Fixed-Rate Share Certificates


Satisfy your craving for higher-rate savings.

Put your money to work! Earn up to 4.50% APY* with a Fixed-Rate Share Certificate that yields higher dividends than many savings accounts (as long as you keep the money there for the term). Available for personal and business accounts.


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Scroll down to see today's terms and rates.

coins and dollar sign

Save faster!

Keep your money here and earn a higher APY* than
with a regular savings account.

Features and Benefits

Worry-free earnings

  • Open with $500+
  • Higher dividends than traditional savings accounts
  • Lock in your rate for three to 60 months
  • No-risk investment; your return is guaranteed
  • Can be used as collateral on a SEFCU loan
nest egg



Fixed Rates

Term Dividend Rate Annual Percentage Yield*
3 months 2.71% 2.75%
6 months 3.92% 4.00%
12 months 3.92% 4.00%
18 months 3.68% 3.75%
24 months 3.92% 4.00%
36 months 3.44% 3.50%
48 months 3.44% 3.50%
60 months 3.44% 3.50%
SPECIAL 23 months*** 4.16% 4.25%
SPECIAL 13 months*** 4.40% 4.50%

*Annual Percentage Yield. APY is accurate as of today - May 30, 2023.
**Note: Minimum to open and obtain APY for all Share Certificates is $500. Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal. Certificates require Credit Union Membership.
***Once the 13-month certificate matures, the funds will roll into a 12-month certificate. Once the 23-month certificate matures, the funds will roll into a 24-month certificate. Changes can be made to the certificate, or it can be liquidated, during the 10-day period after maturity. Offer may be withdrawn at any time. 



See which account is best for you

Fixed-Rate Share Certificate**

  • Open with $500
  • Three to 60-month fixed term
  • Guaranteed return
  • Lock in your rate when you open share certificate


Risk-Free Fixed Rate Share Certificate**

  • Open with $500
  • 18-month fixed term
  • Guaranteed return
  • Can change term once within first six months
  • New term must be at least 12 months

View Risk-Free Fixed Rate Share Certificates

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Open a SEFCU Fixed-Rate Share Certificate today

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Fixed-Rate Share Certificate

Earn steady dividends

Open with just $500

Guaranteed rate for 3-60 months


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View Certificates

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