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Letting your funds sit for awhile? Putting them in a Share Certificate or IRA Share Certificate could earn you higher dividends.

Share Certificates

  • Share Certificates offer flexible opportunities for higher earnings
  • Terms range from 3 months to 5 years
  • Minimum initial opening deposit of $1,000

IRA Share Certificates

  • Offered as either a Traditional or Roth IRA
  • Terms range from 1-5 years
  • Minimum initial opening deposit of $1,000
Certificate Rates
Effective Oct 1, 2017
Type Term Dividend APY*
Share or IRA 5 yr 1.60% 1.61%
Share or IRA 4 yr 1.98% 2.00%
Share or IRA 3 yr 1.20% 1.21%
Share or IRA 2 yr 0.90% 0.90%
Share or IRA 1 yr 0.75% 0.75%
Share 6 mo 0.50% 0.50%
Share 3 mo 0.25% 0.25%
*APY = Annual Percentage Rate. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.

READY TO OPEN A CERTIFICATE?
Already a member? Use Online Banking to open your new Share Certificate.
 
Life Happens

— No matter what stage of life you’re in, we can help make the ride a little smoother. —

  • There’s a first time for everything, but that doesn’t mean you have to go unprepared. Here are a few firsts that Securityplus can help you with.

  • So you’re ready to make one of the biggest commitments of your life? We’re experts at financing the big day expenses — and beyond.

  • No matter how much you plan, things can still go wrong. During times of unexpected hardship, Securityplus is still willing to help.

  • Whether a new baby or a new pet, a growing family means growing expenses. We can help you prepare for those changes in your budget.

  • Whether you're looking to vacation or you're relocating, Securityplus wants to make sure finances don't stand in your way.

  • You've spent most of your life preparing to retire. Securityplus can help ensure that you are financially equipped to do so comfortably.

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If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.
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