Certificates of Deposit

Certificates of Deposit (CDs) are an investment that offers maximum security and a guaranteed rate of return. The annual percentage yield is fixed for the term of the deposit, and Space Coast Credit Union provides the flexibility to enjoy short or long term investments.

Open at your local SCCU Branch today!

Benefits


  • 6 month to 60 month terms available
  • The annual percentage yield is fixed for the term of the deposit
  • Funds are Federally insured by the NCUA


All CD Accounts Offer


  • Free Online Banking & Mobile Banking
  • Free Online Statements
  • Free CALL-24 telephone banking
  • Free Account Alerts to help you manage your accounts
  • Easy access to your account information (in person, over the phone, or online from anywhere in the world)


Requirements


  • $500 Min. Average Daily Balance to Earn APY^
  • CDs must be fully funded at the time of opening


SCCU CD RATES:
^ APY = Annual Percentage Yield.
1CD Account rates are accurate as of the date indicated and are subject to change at any time. The minimum deposit required is $500 for all terms. The minimum average daily balance to earn APY is $500. The APY is based on the assumption that interest will remain in the CD Account until maturity. A penalty may be assessed for early withdrawal. Fees may reduce the earnings on the CD Account. Click here for a complete fee schedule. 


An Individual Retirement Account Certificate of Deposit (IRA CD) is an alternative investment to help save towards retirement that offers maximum security and a guaranteed rate of return, with earnings being tax deferred.
 

IRA CD Accounts:
  • Start with a payroll deduction, or initial deposit of $500
  • CDs must be fully funded at the time of opening; direct deposit is not available
  • The annual percentage yield is fixed for the term of the deposit
  • Earns quarterly dividends
  • Funds are insured by the NCUA
  • 6 month to 60 month terms available
  • Account information included on your monthly statement


View IRA CD Rates

To open an IRA CD, visit your local branch.
(Please note: IRAs cannot be opened online or over the phone.)
 

All IRA Accounts Offer


  • Free Online Banking & Mobile Banking
  • Free Online Statements
  • Free CALL-24 telephone banking
  • Free Account Alerts to help you manage your accounts
  • Easy access to your account information (in person, over the phone, or online from anywhere in the world)

1APY is Annual Percentage Yield. CD and IRA CD Account rates are accurate as of the date indicated and are subject to change. The minimum deposit required is $500 for all terms. You must maintain a minimum equal to your minimum opening balance in your CD or IRA CD Account each day to obtain the APY. The APY is based on the assumption that interest will remain in the CD or IRA CD Account until maturity. Dividends cannot remain on account and payout of dividends is mandatory.  A penalty may be assessed for early withdrawal. Fees could reduce the earnings on the CD or IRA CD Account.  Fees may offset earnings on the CD or IRA CD Account.

Traditional 6-60 Month

Terms

Interest Rates

APY^

Min. Average Daily Balance to Earn APY^

6 Months

2.00%

2.01%

$500

12 Months

2.35.%

2.37%

$500

15 Months2

3.25.%

3.29%

$500

18 Months

2.40%

2.42%

$500

24 Months

2.60%

2.63%

$500

30 Months

2.65%

2.68%

$500

36 Months

2.80%

2.83%

$500

42 Months

2.85%

2.88%

$500

48 Months

3.00%

3.03%

$500

54 Months

3.10%

3.14%

$500

60 Months

3.25%

3.29%

$500


IRA CDs

Terms

Interest Rates

APY^

Min. Average Daily Balance to Earn APY^

6 Months

2.50%

2.52%

$500

12 Months

2.85%

2.88%

$500

18 Months

2.90%

2.93%

$500

24 Months

3.10%

3.14%

$500

30 Months

3.15%

3.19%

$500

36 Months

3.30%

3.34%

$500

42 Months

3.35%

3.39%

$500

48 Months

3.50%

3.55%

$500

54 Months

3.60%

3.65%

$500

60 Months

3.75%

3.80%

$500

^APY = Annual Percentage Yield.

CD and IRA CD Account rates are accurate as of the date indicated and are subject to change. The minimum deposit required is $500 for all terms. You must maintain a minimum equal to your minimum opening balance in your CD or IRA CD Account each day to obtain the APY. The APY is based on the assumption that interest will remain in the CD or IRA CD Account until maturity. A penalty may be assessed for early withdrawal. Fees could reduce the earnings on the CD or IRA CD Account. 

Fees may offset earnings on the CD or IRA CD Account. Click here for a complete fee schedule.

Click here to view all current deposit rates and disclosures.

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