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Fixed-Rate Share Certificate

A Fixed-Rate Share Certificate from SEFCU lets you earn a steady, preferred rate over the life of the certificate.

Enjoy Higher Dividend Rates

Want to earn a higher dividend rate than you get with traditional savings accounts? SEFCU offers Fixed-Rate Share Certificates for exactly this purpose. Open a certificate with as little as $500 and enjoy dividend rates that stay the same for the life of your investment - from three to 60 months of worry-free earnings! Dividend rates vary with the term.

Open a Fixed-Rate Share Certificate Today

  • Open a Fixed-Rate Share Certificate online 24/7
  • Visit a branch near you 
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328
Note: Minimum to open and obtain APY for all Share Certificates, except for Smart Sense Share Certificates is $500. Minimum to open and obtain APY for a Smart Sense Share Certificate is $100; Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.