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Risk-Free Fixed Share Certificate

Want more control over your Share Certificate? SEFCU's Risk-Free Share Certificate lets you change the term of your certificate to suit your purpose!

A Share Certificate on Your Terms

If you’d like more control over the term of your Share Certificate, SEFCU has the answer. Our Risk-Free Share Certificate allows you to change the term of the certificate one time within the first six months of opening it. Minimum initial investment is just $500 and the new term must be at least 12 months.

Open a Risk-Free Share Certificate Today

  • 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.