Your future's-so-bright account.
Markets may rise and fall, but your STCU certificate will earn great returns — guaranteed!
- Open with as little as $500.1
- Choose your own term, from 1- to 60-months.
- Your dividends compound monthly.
- No monthly fees.
- Option to open certificates for your IRA portfolio.
- 24-hour online and mobile access.
- Federally insured up to $250,000.
These numbers are on your side.
3.04% APY... 20 months... $500 or more.
Sometimes the numbers line up in your favor. Open an STCU select certificate right now with $500 or more and get 3.04% annual percentage yield (APY) for 20 months!
What if rates go up?
It happens sometimes. And that's a good thing for your savings. Solution? Open an STCU Bump-Rate Certificate, with the power to hike your rate once every 18 months.
Here's another trick: Ladder your savings to catch rate hikes at their peak, and smooth over rate drops over time. Open a new certificate each week or month, reducing your exposure to dramatic market changes, while also making a portion of your savings available each time a certificate matures.
*APY = annual percentage yield. Stated rate for 60-month certificate requires $2,000 minimum opening deposit. Dividends compounded monthly. Penalty for early withdrawal. Fees may reduce earnings.
1Minimum opening deposit varies. View all certificate rates and terms.