Certificates

A certificate is issued by a financial institution to a person depositing money for a specified length of time. Credit unions usually have great CD rates! SOCU has competitive rates and great term options.


Our Current CD Specials

Below are a few of our CD specials these specials are for a limited time, so hurry in and take advantage of them today!

12 MONTH MEMBER APPRECIATION CERTIFICATE(3) Div Rate APY
$500 MINIMUM; $20,000 MAXIMUM 3.00% 3.04%

(limit one per member - renews for 12 months - non-IRA certificate only)

11 Month Special - No Limit! (1) Div Rate APY
$500 MINIMUM; NO MAXIMUM 2.15% 2.17%

(renews for 12 months)

18 Month Step-Up Special - Raise your Rate 1x Before Maturity (2) Div Rate APY
$500 MINIMUM; NO MAXIMUM 2.30% 2.32%

(non-IRA certificate only)

24 Month Step-Up Special - Raise Your Rate 1x Before Maturity (2) Div Rate APY
$500 MINIMUM; NO MAXIMUM 2.45% 2.48%

(non-IRA certificate only)

35 Month Certificate Special - No Limit (4) Div Rate APY
$500 MINIMUM; NO MAXIMUM 2.86% 2.90%

(renews for 36 months - non-IRA certificate only)


See a loan officer for further details on any of these great offers!


Certificate Rates

TermDividend RateAPY
3 Month0.50%0.50%
6 Month0.65%0.65%
12 Month0.95%0.95%
18 Month2.30%2.32%
24 Month2.45%2.48%
36 Month2.45%2.48%
48 Month2.45%2.48%

*APY Is The Annual Percentage Yield. All rates are subject to change without notice. Yields are based on a $500.00 Share Certificate. Yields are based on all dividends remaining in account to compound. Penalty may apply for early withdrawal. (1) $500.00 minimum deposit. Certificate will renew at the current 12 month rate. (2) $500.00 minimum deposit. The step-up Certificate allows one rate increase (at the member’s discretion) during the initial 18 month or 24 month term. The new rate will equal the current, offered interest rate for the 18 month or 24 month step-up Certificate at the time you choose to exercise your rate increase option. This new rate will only apply for the remaining term of the CD until maturity. Not available on IRA monies. (3) APY is Annual Percentage Yield.  All rates are subject to change without notice. Yields are based on a $500.00 Share Certificate. Yields are based on all dividends remaining in account to compound. $500.00 minimum deposit; $20,000.00 maximum deposit. Certificate will renew at the current 12 month rate. Other restrictions apply. Penalty may apply for early withdrawal.  Only one certificate per member.  Offer not eligible for IRA accounts. Limited time offer. (4) $500.00 minimum deposit. Certificate will renew at the current 36 month rate. Other restrictions apply. Limited time offer.