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 certificate rates! SOCU has competitive rates and great term options.


Our Current Certificate Specials

Below are our certificate specials and only available for a limited time, so hurry in and take advantage of them today!

13 Month Jumbo* Certificate Special Div Rate APY
$100,000 MINIMUM*; NO MAXIMUM 3.93% 4.00%
(non-IRA certificate only ~ renews for 12 months)

15 Month Certificate Special Div Rate APY
$500 MINIMUM*; NO MAXIMUM 3.20% 3.25%
(renews for 12 months)

21 Month Certificate Special Div Rate APY
$500 MINIMUM*; NO MAXIMUM 3.20% 3.25%
(renews for 24 months)

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


Certificate Rates

TermDividend RateAPY
3 Month0.40%0.40%
6 Month0.50%0.50%
12 Month0.80%0.80%
18 Month1.19%1.20%
24 Month1.24%1.25%
36 Month1.29%1.30%
48 Month1.34%1.35%

*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. 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 certificate until maturity. Not available on IRA monies. Other restrictions apply. Limited time offer. All rates are subject to change without notice. **New funds deposited at SOCU. Rates effective 1/20/2023. Federally insured by the NCUA.