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.
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
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 |
1.05% |
1.05% |
|
6-Month Certificate |
1.09% |
1.10% |
|
12-Month Certificate |
1.24% |
1.25% |
|
16-Month Certificate |
4.17% |
4.25% |
| 18-Month Certificate (IRA Only) | 4.41% | 4.50% |
|
24-Month Certificate |
2.37% |
2.40% |
|
36-Month Certificate |
2.57% |
2.60% |
|
40-Month Certificate |
4.02% |
4.10% |
|
48-Month Certificate |
2.66% |
2.70% |
| 60-Month Certificate | 4.17% | 4.25% |
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. $500 minimum deposit required. Rates and terms are subject to change without notice. Early withdrawal penalties may apply. Membership eligibility rules apply. 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. Insured by NCUA.