Share Certificates
Share Certificates are safe, secure investments that pay a guaranteed rate of return for a fixed period of time with no markets to watch.
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.
Certificates
Effective 1-1-2026
| Term | Minimum Balance * | Rate | APY ** |
|---|---|---|---|
| 6 Months | $500 | 1.00% | 1.00% |
| 1 Year | $500 | 1.14% | 1.15% |
| 2 Years | $500 | 1.29% | 1.30% |
| 3 Years | $500 | 1.64% | 1.65% |
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.
*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 Offers may be withdrawn at any time.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.
**APY=Annual Percentage Yield
There is a penalty for early withdrawal. See the Disclosure of Account Terms for additional details.
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.
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.
