Share Certificates

As high as 4.75% APY*
Set your own savings timeline.

Everyone has short-term and long-term financial goals. With Scient Share Certificates, you can pursue them all at the same time. Choose to save for a few months or five years - or somewhere in between. Whatever you decide, you'll benefit from interest earnings that are superior to typical savings rates.

  • Share Certificates are fixed-rate savings accounts
  • Terms available from 3 to 60 months
  • Guaranteed earnings, provided you don't withdraw funds before the end of the term
  • In general, longer terms pay higher interest rates


*APY = Annual Percentage Yield.  Special rates effective as of May 3, 2023, and may be canceled at anytime without notice.  4.75% APY is valid on the special 8-month share certificate and minimum balance to open is $1000; maximum is $250,000, with $25,000 allowed in existing money.  Special rates are limited to one special share certificate per social security. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other terms and conditions may apply. See credit union for details.



Scient FCU is a full-service credit union with branches in Groton, New London and New Haven Connecticut.

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*APY = Annual Percentage Rate