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Term Share Certificate

Boost Your Savings

Take Advantage of our Competitive CD Rates

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  • ​​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.

6-11 Month

4.94% APY*

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.

We also have a 15 month special with rates starting at 4.35% APR.

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.

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Calculate your savings

Use this calculator to estimate your savings growth over time.

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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. Offer may end at anytime without notice.