Take Our Life Stage Quiz Access custom content and SCCU services that apply to you! Get articles, tools, and solutions for every stage in your life. Take our brief quiz to help us better serve your unique financial needs. Skip Quiz & View All LifeStage Articles What is your age range? 18-2122-2930-4950-6465+ Home Open an Account Branches/ATMs Contact Us Help Mobile Site Español Search for: Personal PERSONAL Loans Auto / Vehicles Credit Cards Recreational Vehicles Personal Loans Mortgages Mortgage Purchase Mortgage Refinance Fixed Rate Home Equity Home Equity Line of Credit Checking & Savings Savings, Certificates & IRAs Checking & Debit Money Market Online & Mobile Banking Online Banking Mobile Banking Investments & Insurance Investment Services Insurance Products Deposit & Loan Rates Start Application Business Services BUSINESS SERVICES Savings Share Savings Money Market Savings Certificates of Deposit Checking & Debit Platinum Interest Checking Free Business Checking Business Interest Checking Business Advantage Checking Health Savings Account Loans Vehicle & Equipment Real Estate & Construction Aircraft & Boat Loans Credit Card Loan Refinancing Additional Business Services Payroll Merchant Services Remote Deposit Capture Online Banking Mobile Banking Business Services Business Services Managers Start Application Why SCCU WHY SCCU News About SCCU Legislative Action Careers Events Calendar Branches/ATMs Media Center Help Center Members' Watchdog What Is Member's Watchdog Ratings & Reviews The Watchdog Symbol Member Rewards Member Discount Program SCCU Blog Spanish Blog Start Application PLANNING & ADVICE PLANNING & ADVICE Auto Buying Center Life Event Center Calculators Investment Services Home Buying Center Articles Start Application Online Banking Forgot password More help Review Your Browser Settings Enroll in Online Banking Online Banking Security Additional help Enroll in Online Banking Home > Personal > Deposit & Loan Rates > CDs Loan, Credit Card & Deposit Rates Mortgage/Home Equity Auto/Vehicle Deposits CDs Credit Card Consumer Loans CD and IRA CD Rates1 Effective date March 2015 Terms Interest Rates APY^ Min. Average Daily Balance to Earn APY^ 6 Months 0.25% 0.2502% $500 12 Months 0.30% 0.3003% $500 18 Months 0.40% 0.4006% $500 24 Months 0.50% 0.5009% $500 30 Months 0.75% 0.7521% $500 36 Months 0.95% 0.9534% $500 42 Months 1.15% 1.155% $500 48 Months 1.40% 1.4074% $500 54 Months 1.60% 1.6096% $500 60 Months 1.85% 1.8629% $500 Top Learn more about Certificates of Deposit at SCCU. ^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.