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Term Share Certificate

Boost Your Savings

Take Advantage of our Competitive CD Rates

​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 dividend 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.

  • 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

Rates As High As 4.11% APY**

Final Balance

Contributions:     |    Earnings: 
Principal
$
Interest Rate
%
$
Months
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Loyalty & Patience Earn 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 3.39% APY**.

Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to 0.15%) when they use our SIUCU Credit Card or Checking account.

Ready to get started, but still have some questions?

​Contact Us
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  • Membership required. Federally insured by NCUA. Limited time offer. Call 800-449-7301 for additional details. Penalty for early withdrawal.

    1 Annual Percentage Yield. 3.35% Dividend Rate and $1,000 minimum balance to earn 3.37% APY.
    2 Annual Percentage Yield. 4.26% Dividend Rate and $50,000 minimum balance to earn 4.26% 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 12.01.2024. Offer may end at anytime without notice.