Fixed-Rate Share Certificates

Overview

Higher earnings than traditional savings accounts

Put your money to work! A SEFCU Fixed-Rate Share Certificate* earns you higher dividends than many savings accounts, as long as you keep the money there for the length of the term.

 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

 

Rates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
3 months 0.15% 0.15%
6 months 0.15% 0.15%
9 months 0.15% 0.15%
10 months 0.15% 0.15%
12 months 0.40% 0.40%
15 months 0.40% 0.40%
18 months 0.45% 0.45%
24 months 0.60% 0.60%
30 months 0.60% 0.60%
36 months 0.60% 0.60%
48 months 0.75% 0.75%
60 months 0.75% 0.75%

Compare

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

Apply Now

Open a SEFCU Fixed-Rate Share Certificate today

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Call 800-727-3328

Financial Education

Calculator

Fixed-Rate Share Certificate

Earn steady dividends


Open with just $500

Guaranteed rate for 3-60 months

 

Open Today

View Certificates

More to think about...

Roth IRA

Fund Your Retirement

Earnings are tax-free

Grow your money faster than traditional savings

UTMA

Give Them a Head Start on Saving

Account that transfers to child at age 18 or 21

No fees

*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.
**Annual Percentage Yield. APY is accurate as of today - September 19, 2021.