Share Certificate

Ready to work towards a savings goal? Consider a savings certificate with flexible terms you choose.

  • Up to 2.60% APY with dividends paid monthly
  • Open with $1,000 minimum deposit
  • Flexible terms from 3 months to 10 years
  • Funds federally insured up to $250,000

Notes: If you wish to make a significantly higher initial deposit, explore more certificate and IRAs.

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Great Rates and Flexible Terms

Set your SACU Share Certificate up at the deposit level and term commitment that work for you. Earn monthly dividends and an annual percentage yield (APY) on balances as low as $1,000. Choose a term as short as three months or as long as ten years. Dividends and APY are paid monthly at a rate corresponding to your purchase amount and term.

Notes: The dividend rate and corresponding annual percentage rate (APY) for the contract period will be determined based on the purchase amount and the contract term. Dividends are paid monthly and calculated using the daily balance method. A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Fees could reduce earnings.

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Create Credit Options

When you have an SACU Share Certificate, you can keep your assets and get credit you need when you need it. Enjoy a reduced rate by lending money to yourself with an SACU Share Certificate Secured Loan. To apply, call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228).

Notes: IRA Share Certificates and Liquid Share Certificates cannot be used as collateral for this loan option.


Your Insured Funds

As an SACU member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228) for further information on your insured funds.

Join SACU and become a member today

Liquid Share Certificate

Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.

Jumbo Share Certificate

If you can commit a large amount to savings, try a savings certificate that is geared for higher balances and offers great flexibility.

Share Certificate Rates

Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.990.01%0.01%
$10,000.00 - $89,999.990.05%0.05%
$90,000.00 and up0.10%0.10%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.990.55%0.55%
$10,000.00 - $89,999.990.55%0.55%
$90,000.00 and up0.55%0.55%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.991.09%1.10%
$10,000.00 - $89,999.991.19%1.20%
$90,000.00 and up1.19%1.20%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.991.29%1.30%
$10,000.00 - $89,999.991.29%1.30%
$90,000.00 and up1.29%1.30%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.991.39%1.40%
$10,000.00 - $89,999.991.39%1.40%
$90,000.00 and up1.39%1.40%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.991.59%1.60%
$10,000.00 - $89,999.991.59%1.60%
$90,000.00 and up1.59%1.60%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.991.98%2.00%
$10,000.00 - $89,999.991.98%2.00%
$90,000.00 and up1.98%2.00%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.992.37%2.40%
$10,000.00 - $89,999.992.37%2.40%
$90,000.00 and up2.37%2.40%
Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $9,999.992.57%2.60%
$10,000.00 - $89,999.992.57%2.60%
$90,000.00 and up2.57%2.60%

Rates are effective as of February 17, 2017

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.

SACU share certificates are available with a minimum deposit of $1,000.

Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.

Your SACU investments are insured up to at least $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your SACU IRA investments are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the SACU Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.