Term Share Certificates
Save for a rainy day with a Term Share Certificate Account from Summit FCU. You’ll earn higher dividends than with a regular savings account, and your rate will be locked in for the term of the Certificate.
- Choose flexible terms ranging from 3 to 60 months
- Fixed rate & fixed Term Share Certificate of deposit that provides a higher return than a regular share account.
- Minimum $2,500 deposit with terms as short as 3 months.
- Minimum $500 deposit with terms of 12 months or more. Term Share Certificates are available for up to 60 months.
- All Term Share Certificates earn daily dividends, which are paid and compounded monthly.
Certificate Rates
| Term in Months |
Dividend Rate |
Annual Percentage Yield |
Compounding Period |
| 3 Mos. ($2,500 Min.) |
3.203%
|
3.25% |
Monthly |
| 6 Mos. ($2,500 Min.) |
3.203% |
3.25% |
Monthly |
| 9 Mos. ($2,500 Min.) |
3.687% |
3.75% |
Monthly |
| 12 Mos. ($500 Min.) |
3.687% |
3.75% |
Monthly |
| 18 Mos. ($500 Min.) |
2.965% |
3.00% |
Monthly |
| 24 Mos. ($500 Min.) |
2.965% |
3.00% |
Monthly
|
| 36 Mos. ($500 Min.) |
1.736% |
1.75% |
Monthly |
| 42 Mos. ($500 Min.) |
1.736% |
1.75% |
Monthly |
| 48 Mos. ($500 Min.) |
1.982% |
2.00% |
Monthly |
| 54 Mos. ($500 Min.) |
1.982% |
2.00% |
Monthly |
| 60 Mos. ($500 Min.) |
2.227% |
2.25% |
Monthly |
Penalty will be imposed for early withdrawal. For time deposits with maturities of less than one year, the APY assumes that funds will remain on deposit for a full year. Fees or withdrawals could reduce earnings on accounts. APYs are accurate as of the last dividend declaration period 07/08/2025. Disclosures are available upon request. Contact SFCU staff for more information about applicable fees and terms. Federally insured by NCUA.