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48- to 60-month certificate
As high as

APY effective 11/15/2022

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View rates and terms


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.

Jumbo certificates.

Some of our highest rates are paid on the 30-month President's Premium Certificate, with an opening deposit of $25,000, and on one- to three-month jumbo certificates available for large, short-term deposits.

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.

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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