Certificate Rate Sheet & Disclosures

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Stronger savings from our Certificates

As a not-for-profit institution, Sacramento Credit Union (SCU) supports our members' savings goals by providing solid rates on Certificates. We'll help you strengthen your foundation.


Rates effective as of March 20, 2023.

Minimum Balance Dividend Rate APY*
13 Month Certificate Special
$500 minimum deposit for IRA Share Certificate $1000 Minimum for Share Certificate4.17%4.25%
19 Month Certificate Special
$500 minimum deposit for IRA Share Certificate $1000 minimum deposit for Share Certificate4.46%4.55%
3-Month (IRA not Eligible)
$1,000 0.95% 0.95%
$20,000 0.95% 0.95%
$50,000 0.95% 0.95%
$100,000 1.15% 1.16%
6-Month
$1,000 1.70% 1.71%
$20,000 1.70% 1.71%
$50,000 1.70% 1.71%
$100,000 1.80% 1.81%
12-Month
$1,000 1.95% 1.97%
$20,000 1.95% 1.97%
$50,000 1.95% 1.97%
$100,000 2.05% 2.07%
18-Month
$1,000 2.00% 2.02%
$20,000 2.00% 2.02%
$50,000 2.00% 2.02%
$100,000 2.10% 2.12%
24-Month
$1,000 2.30% 2.32%
$20,000 2.30% 2.32%
$50,000 2.30% 2.32%
$100,000 2.40% 2.43%
30-Month
$1,000 2.35% 2.38%
$20,000 2.35% 2.38%
$50,000 2.35% 2.38%
$100,000 2.45% 2.48%
36-Month
$1,000 2.70% 2.73%
$20,000 2.70% 2.73%
$50,000 2.70% 2.73%
100,000 2.80% 2.84%
48-Month
$1,000 2.80% 2.84%
$20,000 2.80% 2.84%
$50,000 2.80% 2.84%
$100,000 2.90% 2.94%
60-Month
$1,000 3.00% 3.04%
$20,000 3.00% 3.04%
$50,000 3.00% 3.04%
$100,000 3.10% 3.14%

*APY=Annual Percentage Yield

$500 minimum for IRA Certificates

Rates and terms are subject to change

A penalty may be imposed for withdrawals before maturity