Share Certificates

It's never too early to invest in your future. With terms ranging from six months to 60 months, our Share Certificates are an excellent way to invest your money and earn an aggressive yet safe return!

Establish yours today with a minimum $500 deposit. Click here to open a Share Certificate online!

SHARE CERTIFICATES Minimum Balances of $500
Term	DIVIDEND RATE	APY*	CAPITAL CLUB DIVIDEND RATE	CAPITAL CLUB APY
6-Month Certificate	1.30%	1.31%
12-Month Certificate	1.70%	1.71%
24-Month Certificate	1.80%	1.81%	2.30%	2.32%
36-Month Certificate	2.20%	2.22%	2.70%	2.73%
48-Month Certificate	2.40%	2.42%	2.90%	2.93%
60-Month Certificate	3.00%	3.03%	3.50%	3.55%

Bump Up Share Certificates.

SDFCU is now offering Bump Up Certificates* with varying terms to fit your savings needs. A bump up certificate is a great way to save and navigate your funds to a better rate. 

Now you have the advantage of options! With just a $500 minimum deposit, you can bump your interest rate up to a higher rate one time during the term of your certificate.

Open a Bump Up Certificate and get some of the best yields anywhere — to achieve your goals. Plus, it’s easy to open and simple to maintain.

Benefits:

• Flexible terms. 
• One-time option to bump up to a higher rate.
• New rate will carry forward from date of increase and not be retroactive.
• Dividends compounded daily.

Now you get the most from your money with SDFCU. Start saving today! Contact a Member Service Representative, drop by any of our convenient locations or call 703.706.5000 to open your certificate today!

Download the Bump-Up Application

BUMP UP SHARE CERTIFICATES Minimum Balances of $500
Term	DIVIDEND RATE	APY*	CAPITAL CLUB DIVIDEND RATE	CAPITAL CLUB APY
17-Month Bump Up Certificate	1.55%	1.56%
30-Month Bump Up Certificate	1.95%	1.96%	2.45%	2.47%
45-Month Bump Up Certificate	2.15%	2.17%	2.65%	2.68%

*For the Bump Up Certificate, you may elect to change the rate of the certificate once during the original term of the certificate. To change the rate on the Bump Up, an owner of the certificate must contact SDFCU to request the increase. The rate on the Bump Up will be changed on the date SDFCU receives the request. The rate will be changed to the rate currently in effect for a fixed rate certificate of the same term as the Bump Up certificate and will remain in effect until maturity. The 17-Month bump up would change to the 24-Month rate, 30-Month bump up would change to the 36-Month rate and the 45-Month bump up would change to the 48-Month rate. The bump up rate will not be retroactive and the updated rate starts calculating the day the rate is updated. Minimum opening balance is $500.

Click here for all our current rates - including IRA and Jumbo Share Certificates.

How much will your Certificate be worth at maturity?
Click here to use our Share Certificate Calculator.


*APY = Annual Percentage Yield. Rates are effective as of 02-01-2010 and are subject to change. Early withdrawal penalty applies.