- Various tiers and rates so you can pick what’s right for you
- Only a minimum of $500.00 is needed to open an account
- Competitive rates and a guaranteed return on your investment
- Select your own maturity date
- 10-day grace period on all renewing certificates
How it all works
A Term Share Certificate is one of the many great account options we offer. In this account type, you agree to set aside your money for a specific amount of time in exchange for a higher interest rate. Unlike many investment options, you’ll get a guaranteed rate of return. All you need is $500 to get started, but you can also choose to deposit much higher amounts. Plus, you’ll have plenty of flexibility when it comes to choosing a maturity date (when you can withdraw from your account again) and making renewal decisions.
Loyalty and Patience Earns Rewards
By choosing a longer maturity date, you can secure a higher rate. The minimum balance to earn dividends is $500.
Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account.View Rates
Calculate your savings
Use this calculator to estimate your savings growth over time.Use Calculator
Ready to get started, but still have some questions?Contact Us
Membership required. Federally insured by NCUA. Limited time offer. Call 800-449-7301 for additional details. Penalty for early withdrawal. 1 Annual Percentage Yield. 5.10% Dividend Rate and $1,000 minimum balance to earn 5.19% APY. 2 Annual Percentage Yield. 5.20% Dividend Rate and $50,000 minimum balance to earn 5.30% APY. Minimum deposit of $50,000. Interest to be paid quarterly. 3 This service is free to active SIU Credit Union Active Checking and Visa® Platinum & Platinum Plus Credit Card Holders. APY is accurate as of 12.01.2023.