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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
President's Premium 30-month certificate
As high as
2.78%APY*

APY effective 11/19/2018

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.
  • Option to open certificates for your IRA portfolio.

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.

No hidden fees.

No monthly fees and you can open with as little as $500.

New deposits welcome.

Grow your savings by regularly adding new deposits to permitted certificates.

24-hour access.

Free online and mobile access.

Federally insured.

This account federally insured up to $250,000.


disclosures

*APY = annual percentage yield. Stated rate for 30-month President's Premium Certificate requires $25,000 minimum opening deposit. Penalty for early withdrawal. Fees may reduce earnings. 

1Minimum opening deposit varies. View all certificate rates and terms.