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Share Certificates

Make your long-term savings work harder for you with SEFCU Share Certificates. Choose from many certificate banking options to grow your savings faster!

Achieve Your Purpose with a Minimum Deposit of Only $500

SEFCU's Share Certificates can grow your savings faster with high-yield investments and minimal risk. With a starting deposit of just $500, you can choose terms from three months to five years. Share Certificates can also be used as collateral in obtaining a loan.

Choose Fixed-Rate or Risk-Free Fixed Share Certificates, or certificates designed for education expenses. SEFCU even offers a Smart Sense Certificate especially for young members who want to watch their savings grow!

Choose the option that meets your needs:

Fixed-Rate Share Certificates

Earn a steady, preferred rate over the life of the certificate. Read more

Risk-Free Fixed Share Certificates

Retain the option to change the term of your certificate during the first six months. Read more

Coverdell Education Share Certificates

Save up to $2,000 a year for education expenses. Read more

Smart Sense Savings Certificate

Introduce your child to the thrill of watching their savings grow! Read more

Lucky Savers Savings Certificate

Maximize your investment dollars with a Lucky Savers Share Certificate! Read more

Open an Certificate Today

  • Open a certificate online 24/7
  • Visit a  branch near you
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328