Share Certificates

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Scient Share Certificates are no-risk savings accounts that offer fixed-rates with the security of guaranteed earnings at the end of the term. 

  • Terms available from 3 to 60 months for both short and long term goals
  • Competitive rates and guaranteed earnings
  • Give us a call at 877 860 6928


Share Certificate - Special Rate

TermDividendAPY* How to Open
12 Month1.79%1.80%On balances over $1000Call us at 1.877.860.6928 or
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*APY = Annual Percentage Yield. 1.80% APY is valid on the special 12-month Share Certificate for new deposits only to Scient Federal Credit Union, effective February 1, 2020. Minimum balance is $1,000, maximum balance is $250,000. Promotional rate 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. Other terms and conditions may apply. See credit union for details. Federally insured by NCUA.

Share Certificates - Regular Rates

TermDividendAPY*Min. BalanceHow to Open
3 Month0.15%0.15%$500Call us at 877 860 6928 or
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6 Month0.25%0.25%$500Call us at 877 860 6928 or
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9 Month 0.30% 0.30%$500Call us at 877 860 6928 or
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12 Month0.40%0.40%$500Call us at 877 860 6928 or
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24 Month0.60%0.60%$500Call us at 877 860 6928 or
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36 Month1.04%1.04%$500Call us at 877 860 6928 or
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48 Month1.19%1.20%$500Call us at 877 860 6928 or
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60 Month1.34%1.35%$500Call us at 877 860 6928 or
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*APY=Annual Percentage Yield. Rates subject to change without notice. Penalty for early withdrawals on certificates. See Membership And Account Agreement and Truth in Savings Disclosure for details and fees that may reduce earnings on accounts. Other fees and charges may apply.