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Share Certificates

Build your savings faster and get more peace of mind with this low-risk savings option.

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Get Guaranteed Growth on Your Savings.

If you don’t need immediate access to your cash, our Share Certificates are a no-risk way to earn more and get closer to your savings goals.

Why Save With SCCCU?

  • Your savings are federally insured up to $250,000
  • You can open a Share Certificate with an ITIN or SSN with as little as $500
  • Your money stays in your community, helping the local economy to grow
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Perfect for Long-Term Savings.

Share Certificates hold your savings for a specific length of time, so you can earn more than you would using a traditional savings or money market account.

Features

  • Available terms from 7 to 24 months – earn more when you save for a longer time

  • Get balance information or transfer money to your Share Certificate using Online or Mobile Banking

  • Manage your account easily with eStatements

  • Get peace of mind knowing your funds are federally insured up to $250,000 by the NCUA

Requirements

  • $500 minimum balance to open and earn dividends

  • An early withdrawal penalty may apply

  • Open with an SSN or ITIN

Share Certificates hold your savings for a specific length of time, so you can earn more than you would using a traditional savings or money market account.

Features

  • Available terms from 7 to 24 months – earn more when you save for a longer time

  • Get balance information or transfer money to your Share Certificate using Online or Mobile Banking

  • Manage your account easily with eStatements

  • Get peace of mind knowing your funds are federally insured up to $250,000 by the NCUA

Requirements

  • $500 minimum balance to open and earn dividends

  • An early withdrawal penalty may apply

  • Open with an SSN or ITIN

Term Opening Balance Dividend Rate APY*
7 Months $500 0.05% 0.05%
9 Months $500 0.10% 0.10%
13 Months $500 0.15% 0.15%
15 Months $500 0.20% 0.20%
24 Months $500 0.25% 0.25%
Opening Balance
$500
Dividend Rate
0.05%
APY*
0.05%
Opening Balance
$500
Dividend Rate
0.10%
APY*
0.10%
Opening Balance
$500
Dividend Rate
0.15%
APY*
0.15%
Opening Balance
$500
Dividend Rate
0.20%
APY*
0.20%
Opening Balance
$500
Dividend Rate
0.25%
APY*
0.25%

*APY= Annual Percentage Yield. The rate in effect at the time of certificate opening is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings. Minimum deposit is $500. Maximum deposit is $250,000. No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed. We may impose penalties for early withdrawal of a Certificate. The penalty can be deducted from either dividends and/or principal. This Certificate is non-negotiable and non-transferable. We will send a reminder notice of the Maturity Date thirty (30) days in advance. If you take no action, the Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date. Santa Cruz Community Credit Union membership required. Rates subject to change. Federally insured by NCUA.

It’s Easy to Watch Your Money Grow.

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Open Your Account Today.

Visit your local branch to get started. Have questions? Give us a call anytime.

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