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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 

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