Certificates

These accounts feature all of the reward and none of the risk.

  • APY* as high as 5.10%

Fixed rates deliver steady growth and stronger savings.

If you have money you don't need to access immediately, a Certificate from Suffolk Credit Union can be your solution for building up savings for a specific purpose or a general emergency fund. Start with as little as $500 and choose how long you want to keep your money on deposit.

Maximize your savings over a specific time period

Take advantage of rates higher than regular savings accounts

Choose terms from 3 months to 5 years

Keeping your money deposited longer typically means growing your savings at a higher rate. 

When you open a Certificate, you lock in the rate for the entire term. When the Certificate matures, you choose whether to withdraw your money or reinvest.

Regular, IRA/SEP Certificates

Save for the short-term or your future retirement.

Certificate Rates Dividend Rate APY*
$500 Minimum Deposit
Includes Regular, IRA/SEP Certificates
   

3-Month Certificate

1.98%

2.00%

6-Month Certificate

4.02%

4.10%

9-Month Certificate 4.98% 5.10%

12-Month Certificate

1.24%

1.25%

18-Month Certificate  3.74% 3.80%

24-Month Certificate

3.45%

3.50%

36-Month Certificate

3.25%

3.30%

48-Month Certificate

3.15%

3.20%

60-Month Certificate 3.06% 3.10%

Liquid Certificates

A great solution for anyone who wants to boost their savings now—without tying up their funds long-term. You’ll earn an amazing rate and enjoy fast, easy access to your cash whenever you need it, penalty-free. 

Liquid Certificate Rate NEW Dividend Rate APY**
$10,000 Minimum Deposit    
11-Month Liquid Certificate 2.81% 2.85%

Start growing your account today!

Patience can pay off.

Where will your balance stand when your Share Certificate matures? It's certain to be in a stronger position. Find out all the details with this calculator.

*APY = Annual Percentage Yield. Rates as of June 15, 2023. Rates and terms are subject to change without notice. Offers may be for limited time only. The annual percentage yield is indicated as of the last dividend declaration date. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. $500 minimum deposit required to open. For more information, please contact one of our Suffolk Credit Union representatives. Membership eligibility rules apply. Federally Insured by NCUA.

**APY = Annual Percentage Yield. Rates and terms are subject to change without notice. $10,000 minimum deposit required to open and maintain. Fees could reduce the earnings on the account. Membership eligibility rules apply. Click here to view the Liquid Share Certificate Account Disclosure. Federally Insured by NCUA.

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