Risk-Free Fixed-Rate Share Certificate

Overview

You’re in control of your term

Give yourself a little wiggle room. With a SEFCU Risk-Free Fixed-Rate Share Certificate*, you can extend your term once during the first six months.

 certificate

 

Features and Benefits

Extra flexibility with your term

  • Open with $500+
  • Higher dividends than traditional savings accounts
  • Can extend your term once during the first six months
  • No-risk investment; your return is guaranteed
  • Can be used as collateral on a SEFCU loan
 Piggy Bank

 

Rates

Fixed Rates

Term Dividend Rate Annual Percentage Yield**
18 months 3.19% 3.25%

Compare

See which account is best for you

Risk-Free Fixed-Rate Share Certificate

  • Open with $500
  • 18-month fixed term
  • Guaranteed return
  • Can change term once within first six months
  • New term must be at least 12 months

Fixed-Rate Share Certificate

  • Open with $500
  • Three to 60-month term
  • Guaranteed return
  • Lock in your rate when you open the certificate

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Apply Now

Open a SEFCU Risk-Free Fixed-Rate Share Certificate today

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Not a member?

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Visit a branch near you

Call 800-727-3328

 

Financial Education

Calculator

Risk-Free Fixed-Rate Share Certificate

Steady rate with extra flexibility

Open with just $500

Flexibility to change term once within first six months
 

 

Open Today

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More to think about...

Roth IRA

Fund Your Retirement

Earnings are tax-free

Grow your money faster than traditional savings

UTMA

Give Them a Head Start on Saving

Account that transfers to child at age 18 or 21

No fees

* Note: Minimum to open and obtain APY for all Share Certificates is $500.  Fees  may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.
** Annual Percentage Yield. APY is accurate as of today – February 6, 2023. Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal.