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Close up photo of plant
Close up photo of plant
48- to 60-month certificate
As high as

APY effective 06/27/2023

Your no-risk, great-rewards account.

Enjoy competitive dividends on funds you won't need for one to 60 months. Your investment is federally insured, so you'll never lose your principal.

STCU provides several certificate options, depending on your strategy for putting your cash to work for you until you need it:

Add-on certificates.

Open with as little as $500, then automatically add $25 to $5,000 monthly to build your savings faster. Your dividend rate may go up when your account balance reaches a higher tier. Choose from 6- to 60-month term certificates. Minimum balance of $500 required.

Bump-rate certificates.

Think rates are going up? Open a bump-rate certificate with as little as $2,000. Then, if rates rise, contact STCU to bump your rate once during the next 18 months.

Specialty certificates.

We pay a competitive rate on our 30-month President's Premium Certificate, with an opening deposit of $25,000. We offer short-term 1–3-month Jumbo Certificates for large deposits, or if you’re looking for something longer term, we offer a 5-Year Certificate.

Get in touch.

Contact our business team.
Meet the team.

Email us.

Call us.
(509) 344-2200 WA
(208) 619-4001 ID
(877) 304-7185 Toll-free

Visit in person.
Drop by any branch. For larger loans, call or email us to schedule an appointment.

Not a member?
Join us!

Need some help?
View business documents.


*APY = annual percentage yield. APY is accurate as of the last dividend declaration date. Penalty for early withdrawal. Fees may reduce earnings. All certificate rates