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Share Certificates

Build your savings faster and get more peace of mind with low-risk Share Certificates (also known as Certificates of Deposit).

Learn More See Rates

Open a Certificate of Deposit and Get Guaranteed Growth on Your Savings.

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

Why Save With SCCCU?

  • Your money is federally insured up to $250,000
  • You can open a Certificate of Deposit using 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.

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

Features

  • Available terms from 7 to 24 months – earn more when you save using a long-term Certificate of Deposit.

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

  • Manage your Certificate of Deposit easily with eStatements

  • Get peace of mind knowing your money is 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 a Certificate of Deposit with an ITIN or SSN

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

Features

  • Available terms from 7 to 24 months – earn more when you save using a long-term Certificate of Deposit.

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

  • Manage your Certificate of Deposit easily with eStatements

  • Get peace of mind knowing your money is 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 a Certificate of Deposit with an ITIN or SSN

Term Opening Balance Dividend Rate APY*
7 Months $500 0.30% 0.30%
9 Months $500 1.00% 1.00%
11 Months $500 2.00% 2.02%
12 Months $500 2.25% 2.27%
13 Months $500 2.45% 2.48%
14 Months** $50,000 4.80% 4.91%
15 Months $500 2.65^ 2.68%
24 Months $500 2.75% 2.78%
Opening Balance
$500
Dividend Rate
0.30%
APY*
0.30%
Opening Balance
$500
Dividend Rate
1.00%
APY*
1.00%
Opening Balance
$500
Dividend Rate
2.00%
APY*
2.02%
Opening Balance
$500
Dividend Rate
2.25%
APY*
2.27%
Opening Balance
$500
Dividend Rate
2.45%
APY*
2.48%
Opening Balance
$50,000
Dividend Rate
4.80%
APY*
4.91%
Opening Balance
$500
Dividend Rate
2.65^
APY*
2.68%
Opening Balance
$500
Dividend Rate
2.75%
APY*
2.78%

*APY= Annual Percentage Yield. The rates listed are effective as of 3/1/2023. 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. The minimum deposit is $500. The 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 the 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 is required. Rates are subject to change. Federally insured by NCUA. **Limited time only. Community Investor Certificate requires a $50,000 minimum balance with new money only.

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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