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Sun Federal offices will be closed on Wednesday, November 11 in observance of Veterans Day. We will reopen on Thursday, November 12 at 8:00 AM.

Share Certificates

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You’ve worked hard to save your money—now it’s time for your savings to work for you! With Share Certificates, you put aside cash for a set period of time. During that time, you’ll earn a higher annual percentage yield (APY) on your funds compared to a regular savings account. Here’s the best part: no matter how much interest rates change during the life of your Share Certificate, your rate is locked in—meaning you’ll receive your dividends, guaranteed!

Share Certificate Features:

  • Available in terms from 3 to 84 months
  • Fixed rates throughout the term and compounded monthly
  • Regular, Youth Add-On, and Individual Retirement Account (IRA) available
  • Funds can be withdrawn for a down payment on a SFCU loan without penalty

Certificate Rates

Regular Certificates

TermRate/APY2Minimum Deposit
3-Month0.75%/0.75%$500
6-Month0.90%/0.90%$500
12-Month4.17%/4.25%$500
12-Month FlexiRate Add-On3.45%/3.50%$500
18-Month4.22%/4.30%$500
24-Month4.22%/4.30%$500
24-Month Add-On4.12%/4.20%$500
36-Month4.02%/4.10%$1,000
48-Month4.07%/4.15%$1,000
54-Month4.07%/4.15%$1,000
60-Month4.12%/4.20%$1,000
84-Month Raise-Up4.22%/4.30%$1,000

IRA Certificates

TermRate/APY2Minimum Deposit
3-Month0.75%/0.75%$500
6-Month0.90%/0.90%$500
12-Month4.17%/4.25%$500
12-Month FlexiRate Add-On3.45%/3.50%$500
18-Month4.22%/4.30%$500
24-Month4.22%/4.30%$500
24-Month Add-On4.12%/4.20%$500
36-Month4.02%/4.10%$1,000
42-Month Add-On3.88%/3.95%$1,000
48-Month4.07%/4.15%$1,000
54-Month4.07%/4.15%$1,000
60-Month4.12%/4.20%$1,000
84-Month Raise-Up4.22%/4.30%$1,000

Youth Certificates

TermRate/APY2Minimum Deposit
30-Month No Minimum w/ Add-On4.17%/4.25%None

Ready to start growing your savings?