Skip to main content

Service 1st Federal Credit Union and our partners use cookies and other tracking technologies to improve your online experience, help prevent fraud, deliver targeted ads, and support other business purposes. By visiting our site you are agreeing with our online privacy policy.

Configure

certificates

A certificate account provides a secure savings option with higher returns. Whether you have a lofty savings goal or simply want to sit back and watch your earnings grow, we have a certificate account designed to meet your needs. With flexible terms and competitive rates, a certificate account is a safe and smart way to earn a guaranteed return on your investment.

regular certificate accounts

  • minimum investment of only $500
  • 3 to 60 month terms available
  • dividend rate fixed for the term of the certificate
  • APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration

youth certificate accounts

  • minimum investment of only $25
  • additional deposits can be made - minimum of $25
  • maximum account balance of $1,000
  • 12-month term
  • automatically renewable with a fixed dividend rate
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration
VCD Crop

12 month hybrid advantage certificates

A 12 Month Hybrid Advantage Certificate designed to keep your savings moving forward, automatically. As the market shifts, your earning potential shifts with it, giving you the flexibility and opportunity traditional fixed rate certificates can’t match. Plus, enjoy one withdrawal without penalty per calendar quarter!

  • 12 month term
  • Automatically renewable
  • $5,000 minimum deposit required
  • Dividend rate may change quarterly.
  • Dividends compound and posted quarterly 
  • One withdrawal allowed without penalty per calendar quarter. Additional withdrawals subject to penalty equivalent to three (3) months dividends
  • May make additional deposits to certificate of deposit in minimum amounts of $2,500
  • Option to compound the interest or transfer interest to a share. Interest compounded quarterly and paid quarterly


Click here to learn more.

Certificates Rates

*APY = Annual Percentage Yield. The APY is current as of 10/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. 
Product Min Balance APY* NR
3 month $500.00 0.50% 0.50%
6 month $500.00 3.75% 3.70%
12 month $500.00 4.00% 3.94%
18 month $500.00 0.90% 0.90%
24 month $500.00 1.00% 1.00%
36 month $500.00 3.00% 2.97%
48 month $500.00 2.65% 2.62%
60 month $500.00 2.55% 2.53%
youth certificate $25.00 0.80% 0.80%