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 Day0.70%0.70%$500
182 Day0.90%0.90%$500
12 Month*1.15%1.15%$500
18 Month*1.30%1.31%$500
24 Month*1.40%1.41%$500
30 Month*1.50%1.51%$500
36 Month*1.65%1.66%$500
48 Month*1.75%1.76%$500
60 Month*1.90%1.91%$500

IRA Rates

TermDividendAPYMinimum Deposit
91 Day0.70%0.70%$500
182 Day0.90%0.90%$500
12 Month*1.15%1.15%$500
18 Month*1.30%1.31%$500
24 Month*1.40%1.41%$500
30 Month*1.50%1.51%$500
36 Month*1.65%1.66%$500
48 Month*1.75%1.76%$500
60 Month*1.90%1.91%$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.