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Illustration of money growing on a plant
Illustration of money growing on a plant
Illustration of money growing on a plant
select 20-month certificate
As high as
3.04% APY*

APY effective 5/21/2019

Open account

View rates and terms

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!

Learn more and open yours today!

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.

Ladder up.

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.