Share Certificates

Maximize earnings on your savings with a Share Certificate.

Share Certificates are safe investments that pay a guaranteed rate of return for a fixed period of time. There are no markets to watch and no risks to consider.


Flexible Term Options

Terms range from six months to three years. Choose shorter terms if you may need access to your cash in the near future, or longer terms to maximize your return.


Effective Jun 1, 2023
Term Min Deposit Rate APY*
6 Month $500 0.75% 0.75%
1 Year $500 0.90% 0.90%
2 Year $500 1.05% 1.06%
3 Year $500 1.20% 1.21%
Dividends are paid on the last day of each month and may be added to the Certificate, be deposited to your account, or mailed to you by check.
*APY=Annual Percentage Yield

There is a penalty for early withdrawal. See the Disclosure of Account TermsOpens in New Window for additional details.

Or contact member service for more information.

Certificates for Retirement or Education Savings

Share Certificates are also available as Individual Retirement Accounts (IRAs) and Coverdell Education Savings Accounts (ESAs). Dividends on IRA and ESA Certificates are paid on the last day of each month and will be added to the Certificate.

Or consult a qualified tax professional for more information.

Your Savings are Insured

Share Certificates at Susquehanna Valley FCU are insured to at least $250,000 by the Federal Government through the National Credit Union Administration (NCUA), which receives the highest ranking from deposit insurance experts as the healthiest of the federal insurance funds.

** APY = Annual Percentage Yield. Minimum Balance is $500.00. rates subject to change anytime without notice. Offers may be withdrawn at any time. A penalty may be imposed for early withdrawal from a certificate account and could reduce earnings. Offer valid for new deposits only or renewal of share certificate. Certain restrictions apply.