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.
- Option to open certificates for your IRA portfolio.
Perfect 10 months.
Now earn 1.11% APY on your 10-month STCU certificates, with just $500 to open!*
What if rates go up?
It happens sometimes. 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 a 48- to 60-month certificate requires $2,000 minimum opening deposit. Penalty for early withdrawal. Fees may reduce earnings.
1View all certificate rates and terms.