Stronger savings from our Certificates (CDs)
As a not-for-profit institution, Sacramento Credit Union (SCU) supports our members' savings goals by providing solid rates on Certificates. We'll help you strengthen your foundation. Stop by at one of our branch locations to open a Certificate.
Rates effective as of November 16, 2025.
| Minimum Balance |
Dividend Rate |
APY* |
Fall Certificate Special (CDs)
$500 for IRA Share Certificate
$1000 for Share Certificate |
| 7 Month | 3.98% | 4.05% |
| 13 Month | 3.83% | 3.90% |
| 3 Month (IRA not Eligible) |
| $1,000 |
2.96% |
3.00% |
| $20,000 |
2.96% |
3.00% |
| $50,000 |
2.96% |
3.00% |
| $100,000 |
2.96% |
3.00% |
| 6-Month |
| $1,000 |
3.00% |
3.04% |
| $20,000 |
3.00% |
3.04% |
| $50,000 |
3.00% |
3.04% |
| $100,000 |
3.01% |
3.05% |
| 12-Month |
| $1,000 |
3.35% |
3.40% |
| $20,000 |
3.35% |
3.40% |
| $50,000 |
3.35% |
3.40% |
| $100,000 |
3.40% |
3.45% |
| 18-Month |
| $1,000 |
3.35% |
3.40% |
| $20,000 |
3.35% |
3.40% |
| $50,000 |
3.35% |
3.40% |
| $100,000 |
3.40% |
3.45% |
| 24-Month |
| $1,000 |
3.40% |
3.45% |
| $20,000 |
3.40% |
3.45% |
| $50,000 |
3.40% |
3.45% |
| $100,000 |
3.45% |
3.51% |
| 30-Month |
| $1,000 |
3.40% |
3.45% |
| $20,000 |
3.40% |
3.45% |
| $50,000 |
3.40% |
3.45% |
| $100,000 |
3.45% |
3.51% |
| 36-Month |
| $1,000 |
3.50% |
3.56% |
| $20,000 |
3.50% |
3.56% |
| $50,000 |
3.50% |
3.56% |
| 100,000 |
3.54% |
3.60% |
| 48-Month |
| $1,000 |
3.55% |
3.61% |
| $20,000 |
3.55% |
3.61% |
| $50,000 |
3.55% |
3.61% |
| $100,000 |
3.59% |
3.65% |
| 60-Month |
| $1,000 |
3.70% |
3.76% |
| $20,000 |
3.70% |
3.76% |
| $50,000 |
3.70% |
3.76% |
| $100,000 |
3.74% |
3.80% |
Annual Percentage Yield (APY) is accurate as of October 14, 2025 and assumes principal and dividends will remain on deposit until maturity. Dividends compound monthly. Withdrawals may reduce earnings and incur penalties. $500 minimum for IRA Certificates. Certificate will automatically renew on the maturity date at the nearest standard term and dividend rate not to exceed the term of the special. Rates and terms are subject to change and promotion may end without notice.
* The 7-month certificate will automatically renew to a 6-month term upon maturity. The 13-month certificate will automatically renew to a 12-month term upon maturity.