Certificates

Earn more on your money when you save using federally insured, STCU certificates.

  • Dividends compounded monthly.
  • Additional deposits of $25 per month or more allowed on most certificates.
  • Automatic rate hike if your balance grows to a higher tier.
  • Terms from one to 60 months.
  • Federally insured by NCUA.

Earn 1.00% APY for 12- to 24-months*

Consider "laddering" your savings by opening a new certificate every few months to catch higher rates when markets rise and to reduce your exposure if rates drop.

Open your certificate right now

Open account

STCU members are welcome to open new certificates online at any time. Here's how:
  • Click the button above to log into online banking.
  • Click "Accounts," then "Add account" to open your new account.
  • Click on "Certificates" and select the certificate you want.
  • Select the term (months or years) you desire.
  • Choose to either fund your certificate from existing STCU funds or from deposits held at other financial institutions.
  • Enter the amount you want to invest, and agree to the terms.  

Bump up your savings!

Worried rates will change next month? Open an STCU Bump-Rate Certificate with just $2,000 and take one rate hike during the term.

New to STCU?

Join STCU online and open your certificate with no membership fee. You can also join the credit union by visiting any STCU branch location.

Need help setting up your account?

Call or chat with an STCU member service representative during regular business hours.

*APY = annual percentage yield. Stated rate for 12- to 24-month certificate requires $2,000 minimum opening deposit. Rate effective August 23, 2017. Penalty for early withdrawal. Fees may reduce earnings. All certificate rates