A Certificate provides a reliable way to grow your savings over a set term. If you want a predictable return and a more focused way to save toward future goals, Certificate options from SRFFCU offer competitive earnings, clear timelines, and the confidence that comes with federally insured deposits.
Put Your Money to Work
When you know you can set money aside for a fixed period, a Certificate gives your savings more structure. It works well for planned purchases, goal-based saving, or money you want to grow without the temptation to spend it too soon. Members can choose from a range of Certificate terms, compare rates, and select the option that best fits their timeline from 3 to 60 months, with a $500 minimum deposit to open.
Key Features
SRFFCU’s Certificates help members save with more intention and more earning potential:
- Competitive Returns: Compare Certificate rates and choose a term that matches your goals.
- Flexible Terms: Select terms from 3 to 60 months.
- $500 Minimum Deposit: Open a Certificate with a manageable starting balance.
- IRA Certificate Options: Use Certificate options as part of your retirement savings strategy.
- Federally Insured Savings: The NCUA insures deposits up to at least $250,000.
Key Features
SRFFCU’s Certificates help members save with more intention and more earning potential:
Competitive Returns
Compare Certificate rates and choose a term that matches your goals.
Flexible Terms
Select terms from 3 to 60 months.
$500 Minimum Deposit
Open a Certificate with a manageable starting balance.
IRA Certificate Options
Use Certificate options as part of your retirement savings strategy.
Federally Insured Savings
The NCUA insures deposits up to at least $250,000.
Certificate Rates
Choose the term that fits your goals and review the current Certificate rates below.
| Type | Rate | APY1 | Early Withdrawal Penalty |
|---|---|---|---|
| 3 Month | 2.25% | 2.27% | 1 month interest |
| 6 Month | 3.95% | 4.02% | 1 month interest |
| 9 Month | 3.00% | 3.04% | 3 month interest |
| 12 Month | 3.50% | 3.56% | 3 month interest |
| 18 Month | 3.50% | 3.56% | 3 month interest |
| 24 Month | 3.55% | 3.61% | 3 month interest |
| 36 Month | 3.60% | 3.66% | 3 month interest |
| 60 Month | 3.85% | 3.92% | 6 month interest |
Effective as of July 1, 2026
1Annual Percentage Yield (APY). APY assumes dividends remain on deposit until maturity. Withdrawal will reduce earnings. A minimum balance of $500 is required to open a Certificate and to earn the advertised dividend rate. Rate is fixed for the term. At maturity, the Certificate will renew at the then-current rate for a new term unless otherwise disclosed or the member elects another option. All rates are subject to change prior to Certificate opening without notice. A penalty may be imposed for early withdrawal of principal. Fees may reduce earnings. To qualify for any product or service, you must be a member or sign up for membership.
Open a Certificate
Put your savings to work with a Certificate that offers competitive rates, flexible terms, and personal support. Open a Certificate with Self Reliance Financial Federal Credit Union and take the next step toward your savings goals.
Open a Certificate
Put your savings to work with a Certificate that offers competitive rates, flexible terms, and personal support. Open a Certificate with Self Reliance Financial Federal Credit Union and take the next step toward your savings goals.
Frequently Asked Questions (FAQs)
How do I open a Certificate?
A Certificate can be opened at any location.
Can I change my Certificate over the phone?
Certificates require a signature, therefore we do not renew them over the phone. To renew a share certificate, please visit one of our locations.
How many days do I have after a Share Certificate matures to decide what to do with my money on that account?
You have 10 calendar days from the date of maturity.
Is there a penalty for early withdrawal?
Yes. If Certificate funds other than dividends are withdrawn prior to maturity, the penalty is as follows:
- 3-8 months certificates: a penalty of 30 days’ dividends.
- 9-17 months certificates: a penalty of 90 days’ dividends.
- 18-month certificate: a penalty of 90 days’ dividends.
- 24-36 months certificates: a penalty of 90 days’ dividends.
- 37-60 months certificates: a penalty of 180 days’ dividends.
A Certificate is also known as a Share Certificate.