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!

13 Month Special - No Limit! (1) Div Rate APY
$1,000 MINIMUM; NO MAXIMUM 1.25% 1.26%

(renews for 12 months)

18 Month Step-Up Special - Raise your Rate 1x Before Maturity (2) Div Rate APY
$1,000 AND OVER 1.25% 1.26%

(non-IRA certificate only)

24 Month Step-Up Special - Raise Your Rate 1x Before Maturity (2) Div Rate APY
$1,000 AND OVER 1.40% 1.41%

(non-IRA certificate only)

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


Certificate Rates

TermDividend RateAPY
3 Month0.40%0.40%
6 Month0.55%0.55%
12 Month0.85%0.85%
18 Month1.25%1.26%
24 Month1.40%1.41%
36 Month1.40%1.41%
48 Month1.40%1.41%

*APY Is The Annual Percentage Yield. All rates are subject to change without notice. Yields are based on a $1,000.00 Share Certificate. Yields are based on all dividends remaining in account to compound. Limited time offer. (1) $1,000.00 minimum deposit. Not eligible for IRA Certificates. Certificate will renew at the current 12 month rate. (2) Not eligible for IRA Certificates. $1.000.00 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.