Share Certificates & IRAs

Our share certificates and IRAs allow you to earn higher dividend rates for terms from 91 days to four years. A $500 minimum balance is required for each certificate and IRA amount.

How to Open a Certificate or IRA

Simply stop in any of our branches or call a Member Service Representative at 800-491-4309.

Share Certificate Rates

TermDividendAPYMinimum Deposit
91 Day0.20%0.20%$500
182 Day0.25%0.25%$500
12 Month*0.35%0.35%$500
18 Month*0.50%0.50%$500
24 Month*0.65%0.65%$500
30 Month*0.75%0.75%$500
36 Month*1.00%1.00%$500
48 Month*1.75%1.76%$500

IRA Rates

TermDividendAPYMinimum Deposit
91 Day0.20%0.20%$500
182 Day0.25%0.25%$500
12 Month*0.35%0.35%$500
18 Month*0.50%0.50%$500
24 Month*0.65%0.65%$500
30 Month*0.75%0.75%$500
36 Month*1.00%1.00%$500
48 Month*1.75%1.76%$500

*0.10% less on Share Certificates that receive a dividend check.
All dividend rates and Annual Percentage Yields (APY) are declared by The Board of Directors of Services Center Federal Credit Union and are subject to change anytime. A complete description of these accounts is available upon request and will be provided at account opening. Fees may reduce earnings.