certificates

A certificate account provides a secure, savings option with higher returns. Whether you have a lofty savings goal or simply want to sit back and watch your earnings grow, we have a certificate account designed to meet your needs. With flexible terms and competitive fixed rates for the term of your certificate, a certificate account is a safe and smart way to earn a guaranteed return on your investment.
 

youth certificate accounts

  • minimum investment of only $25
  • additional deposits can be made - minimum of $25
  • maximum account balance of $1,000
  • 12-month term
  • automatically renewable with a fixed dividend rate
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration
     

regular certificate accounts

  • minimum investment of only $500. (Bump Up certificates require a minimum investment of $5,000)
  • 3 to 60 month terms available
  • dividend rate fixed for the term of the certificate
  • APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration.

certificates:

ProductMin BalAPY*NR
3 month$500.000.20%0.20%
6 month$500.000.30%0.30%
12 month$500.000.40%0.40%
18 month$500.000.45%0.45%
24 month$500.000.75%0.75%
48 month$500.001.60%1.59%
60 month$500.002.10%2.08%

 


*The APY is current as of 11/1/2017. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current information. Please review the truth-in-savings disclosure for certificate accounts.

 
*The Annual Percentage Yield is a percentage that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Fees could reduce earnings on account.

† New money only.



also see: savingsindividual retirement account (IRA); investment options; truth-in-savings disclosure
Service 1st Federal Credit Union, 1985 Montour Blvd., PO BOX 159, Danville, PA 17821. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

Service 1st Federal Credit Union routing number: 231387602.

*APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. Click here or call us at 800.562.6049 for more information regarding current rates, terms and conditions. All Credit Union loan and deposit programs, rates, terms and conditions are subject to change at any time without notice.

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