Share Certificates

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

  • Terms available from 3 to 60 months for both short-term and long-term goals
  • Competitive rates and guaranteed earnings

 

Share Certificate - Special Rate

TermAPY* How to Open
5 Month5.00%On balances over $500 for New & Existing Funds†Call us at 1.877.860.6928 or
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25 Month2.50%On balances over $1,000††Call us at 1.877.860.6928 or
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50 Month3.00%On balances over $500 for New & Existing Funds†††Call us at 1.877.860.6928 or
Email Us
*APY = Annual Percentage Yield. †5.00% APY is valid on the special 5-month Share Certificate for new and existing deposits to Scient Federal Credit Union. Minimum balance is $500, maximum is $5,000. ††2.50% APY is valid on the special 25-month Share Certificate for new deposits only to Scient Federal Credit Union. Minimum balance is $1,000, maximum is $250,000. †††3.00% APY is valid on the special 50-month Share Certificate for new and existing deposits to Scient Federal Credit Union. Minimum balance is $500, maximum is $10,000 for existing money or $250,000 for new deposit. These promotional rates are limited to one special Share Certificate per Social Security number. Stated APY is effective May 1, 2018 through May 31, 2018 only. 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.

Share Certificates - Regular Rates

TermDividendAPY*Min. BalanceHow to Open
3 Month0.05%0.05%$500Call us at 1.877.860.6928 or
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6 Month0.10%0.10%$500Call us at 1.877.860.6928 or
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9 Month 0.15% 0.15%$500Call us at 1.877.860.6928 or
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12 Month0.25%0.25%$500Call us at 1.877.860.6928 or
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24 Month0.45%0.45%$500Call us at 1.877.860.6928 or
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36 Month0.94%0.94%$500Call us at 1.877.860.6928 or
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48 Month1.09%1.10%$500Call us at 1.877.860.6928 or
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60 Month1.29%1.30%$500Call us at 1.877.860.6928 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.

Scient Service Centers will be closed on Monday, May 28th, for Memorial Day. You can access your account any time through Online Banking or our Mobile App.