Certificates of Deposit
Reach your savings goals sooner — without worrying about the ups and downs of the stock market. Simply pick a term, lock in a rate, and get a guaranteed return.
CERTIFICATES OF DEPOSIT
A Simple and Safe Way to Earn More on Your Money
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$1,000 minimum opening deposit
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Choose a term from 3 months to 5 years
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No setup or maintenance fees
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Early withdrawals are subject to penalty
Clear Rates. Real Savings.
Current Certificate Rates
$1,000 - $49,999.99
$50,000 - $99,999
$100,000+
| Balance | Term | APR | APY |
|---|---|---|---|
| $1,000 - $49,999.99 | 3 Months | 0.35% | 0.35% |
| $1,000 - $49,999.99 | 6 Months | 0.35% | 0.35% |
| $1,000 - $49,999.99 | 1 year | 0.75% | 0.75% |
| $1,000 - $49,999.99 | 2 Year | 1.00% | 1.00% |
| $1,000 - $49,999.99 | 3 Year | 0.85% | 0.85% |
| $1,000 - $49,999.99 | 4 Year | 1.10% | 1.11% |
| $1,000 - $49,999.99 | 5 Year | 1.25% | 1.26% |
Penalty for early withdrawal
| Balance | Term | APR | APY |
|---|---|---|---|
| $50,000 - $99,999.99 | 3 Months | 0.45% | 0.45% |
| $50,000 - $99,999.99 | 6 Months | 0.45% | 0.45% |
| $50,000 - $99,999.99 | 1 year | 0.85% | 0.85% |
| $50,000 - $99,999.99 | 2 Year | 1.10% | 1.11% |
| $50,000 - $99,999.99 | 3 Year | 0.95% | 0.95% |
| $50,000 - $99,999.99 | 4 Year | 1.20% | 1.21% |
| $50,000 - $99,999.99 | 5 Year | 1.35% | 1.36% |
Penalty for early withdrawal
| Balance | Term | APR | APY |
|---|---|---|---|
| $100,000+ | 3 Months | 0.55% | 0.55% |
| $100,000+ | 6 Months | 0.55% | 0.55% |
| $100,000+ | 1 year | 0.95% | 0.95% |
| $100,000+ | 2 Year | 1.20% | 1.21% |
| $100,000+ | 3 Year | 1.05% | 1.06% |
| $100,000+ | 4 Year | 1.30% | 1.31% |
| $100,000+ | 5 Year | 1.45% | 1.46% |
Penalty for early withdrawal
EARN MORE ON YOUR SAVINGS
Guaranteed Growth for Your Savings
A Share Certificate is the credit union version of a Certificate of Deposit (CD). Choose your term, lock in a fixed rate higher than a regular savings account, and enjoy guaranteed returns with no setup or maintenance fees.
BENEFITS OF SINGING RIVER
Why Choose a Certificate of Deposit From SRFCU?
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Fixed, guaranteed rates higher than regular savings
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Earn even more with longer terms
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Safe, NCUA-insured alternative to market investments
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Set funds aside for future savings goals
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Enjoy predictable growth without surprises
