Fixed-Rate Share Certificates

23-MONTH SPECIAL CERTIFICATE

Satisfy your craving for higher-rate savings.

Put your money to work! This 3.50% APY* 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. 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

 

Rates

Fixed Rates

Term Dividend Rate Annual Percentage Yield*
3 months 0.74% 0.75%
6 months 1.48% 1.50%
12 months 1.98% 2.00%
18 months 2.46% 2.50%
24 months 2.46% 2.50%
36 months 2.95% 3.00%
48 months 2.95% 3.00%
60 months 2.95% 3.00%
SPECIAL 23 monthsˆ 3.44% 3.50%

ˆBusiness Fixed-Rate Share Certificate requires $5,000 minimum opening balance.

 

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

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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

 

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

*Annual Percentage Yield. APY is accurate as of today - November 28, 2022.
**Note: Minimum to open and obtain APY for all Share Certificates is $500, excluding the 23 month special business certificate. Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.