Share Certificates

As high as 2.40% APY*
Set your own savings timeline.

It's growing season! Share Certificate Specials
2.25% APY* for 8 months
2.40% APY* for 18 months

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 August 8, 2022. 2.25% APY is valid on the special 8-month Share Certificate and minimum balance is $1,000, maximum balance is $250,000 with up to $25,000 allowed in existing money.  2.40% APY is valid on the special 18-month Share Certificate and minimum balance is $1,000, maximum balance is $250,000 with up to $25,000 allowed in existing money.  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 Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts.


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

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*APY = Annual Percentage Rate