Share Certificate Rates

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Stronger savings from our Share Certificates

As a not-for-profit institution, Sacramento Credit Union (SCU) supports our members' savings goals by providing solid rates on Share Certificates. We'll help you strengthen your foundation.


Rates effective as of January 26, 2020.

Minimum Balance Dividend Rate APY*
3-Month (IRA not Eligible)
$1,000 0.25% 0.25%
$20,000 0.25% 0.25%
$50,000 0.25% 0.25%
$100,000 0.25% 0.25%
6-Month
$1,000 0.35% 0.35%
$20,000 0.35% 0.35%
$50,000 0.35% 0.35%
$100,000 0.35% 0.35%
12-Month
$1,000 0.50% 0.50%
$20,000 0.50% 0.50%
$50,000 0.55% 0.55%
$100,000 0.55% 0.55%
18-Month
$1,000 0.50% 0.50%
$20,000 0.50% 0.50%
$50,000 0.55% 0.55%
24-Month
$1,000 0.70% 0.70%
$20,000 0.70% 0.70%
$50,000 0.75% 0.75%
$100,000 0.75% 0.75%
30-Month
$1,000 0.70% 0.70%
$20,000 0.70% 0.70%
$50,000 0.75% 0.75%
$100,000 0.75% 0.75%
36-Month
$1,000 0.95% 0.95%
$20,000 0.95% 0.95%
$50,000 1.00% 1.00%
100,000 1.00% 1.00%
48-Month
$1,000 1.20% 1.21%
$20,000 1.20% 1.21%
$50,000 1.30% 1.31%
$100,000 1.30% 1.31%
60-Month
$1,000 1.50% 1.51%
$20,000 1.50% 1.51%
$50,000 1.60% 1.61%
$100,000 1.60% 1.61%

*APY=Annual Percentage Yield

$500 minimum for IRA Share Certificates

Educational IRAs limited to 12, 24 and 48 month terms

Rates and terms are subject to change

A penalty may be imposed for withdrawals before maturity