Share Certificates

As high as 5.00% 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. Rates effective as of May 13, 2024. 5.00% APY is valid on the special 8-month Share Certificate, 4.75% APY is valid on the special 13-month Share Certificate and 4.50% APY is valid on the special 18-month Share Certificate.  All special rates require a minimum balance of $1,000 with a maximum balance is $250,000 in new or existing funds.  Promotional rates are limited to one special share certificate per social security number. Fees or other conditions may reduce the earnings on your account. A penalty may be imposed for early withdrawal. This is a limited-time offer and may be canceled at any time without notice. Other terms and conditions may apply. See credit union for details. This credit union is federally insured by the National Credit Union Administration.

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