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.
Certificates
These accounts feature all of the reward and none of the risk.
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Annual Percentage Yield* as high as 4.65%**
Fixed rates deliver steady growth and stronger savings.
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
Open a 13-month Share Certificate and earn 4.65% APY**
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.
| Certificate Rates | Dividend Rate | APY* |
|---|---|---|
| 3-Month Certificate | 1.48% | 1.50% |
| 6-Month Certificate | 2.71% | 2.75% |
| 7-Month Certificate | 3.92% | 4.00% |
| 12-Month Certificate | 1.24% | 1.25% |
| 13-Month Certificate | 4.54% | 4.65%** |
| 18-Month Certificate | 2.72% | 2.75% |
| 19-Month Certficate | 4.21% | 4.30%** |
| 24-Month Certificate | 2.95% | 3.00% |
| 36-Month Certificate | 2.95% | 3.00% |
| 48-Month Certificate | 2.47% | 2.50% |
| 60-Month Certificate | 2.47% | 2.50% |
| Liquid Certificate Rate NEW | Dividend Rate | APY** |
|---|---|---|
| $10,000 Minimum Deposit | ||
| 11-Month Liquid Certificate | 1.88% | 1.90% |
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 September 1, 2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. $500 minimum deposit required to open. Click here to view the Liquid Share Certificate Account Disclosure.
**Rates are effective as of October 1, 2026 and fixed for the term of the offer. The minimum deposit required to open and earn the advertised APY is $10,000 in new money (defined as money not already on deposit with Suffolk Credit Union). Existing funds with Suffolk Credit Union may be added to the certificate in addition to the $10,000 new money requirement. Both new and existing members may be eligible. Membership eligibility is required. Early closing penalties may apply. Dividend withdrawals may reduce actual earnings. Rates and terms are subject to change without notice. Additional restrictions may apply. See branch for details.
Federally Insured by NCUA. For more information, please contact one of our Suffolk Credit Union representatives