Share Certificate Accounts

Open a Share Certificate Account with a minimum balance of $1,000. Choose from a variety of terms ranging from 91 days to 10 years. As long as you do not withdraw the funds, you'll be able to calculate your dividends upon maturity at the onset of your investment.

  • Earn a guaranteed rate of return
  • Many term options from 91 days to 72 months
  • Jumbo Share Certificates available for larger investment amounts

Dividends on Share Certificate Accounts of six months or less are calculated and paid at maturity. Dividends on Share Certificate Accounts with maturities of more than six months are calculated, paid, and compounded quarterly.

A penalty is imposed for early withdrawal of any principal before the maturity date and will reduce earnings on the account. The penalty is calculated as a percentage of the principal amount withdrawn. Click here for terms and conditions.

High Yield Share Certificates

If you’re looking for an easy way to save when you don’t need immediate access to your money, consider on of our long term Share Certificate Accounts (SC). We offer a 5-year, 6-year, and our 7/10 Split with a guaranteed rate of return and the security of a federally insured savings account. As long as you do not withdraw the funds, you'll be able to calculate your dividends upon maturity at the onset of your investment.

Our 7/10 Split is a combination of two fixed-term SCs, our 7-year and our 10-year SCs. They must be opened together in equal investments. Start with a minimum $2,000 initial investment and "split" that investment equally between our new 7-year SC and 10-year SC and watch your savings grow.

As with all of our SCs, a penalty is imposed for early withdrawal of any principal before the maturity date and will reduce earnings on the account. The penalty is calculated as a percentage of the principal amount withdrawn. 

To check out our SC rates, see below.

Visit one of our branch locations or call us at (202) 212-6400 to learn more and to open your 7/10 Split Share Certificate Account

RateKeeper SCA

Safeguard your investment in an uncertain interest rate environment.  At maturity, your RateKeeper account will automatically renew at the then current rate. If rates have gone up, your investment will continue to earn competitive dividends. If rates have fallen, you have the one-time option to renew your Rate Keeper SCA at the original offering rate.

Step-Up SCA

Invest on your terms. With our Step-Up SCA, you have the one-time option to step up to a higher rate, if rates rise during the term of the share certificate. If rates go up, you can lock in a higher rate and increase your earnings; if rates stay the same or begin to fall, you are secure in your original, fixed rate. Step-Up SCAs are available for 3- and 5-year terms.

WealthBuilder SCA

Open a WealthBuilder Share Certificate Account, and watch your savings grow! Our WealthBuilder SCA is a fixed-rate, two-year time deposit account that combines competitive returns with the security of a guaranteed investment. Start with a $1,000 initial investment and add monthly contributions of at least $50, and watch how fast your savings grow.

Share Certificate Rates

  •  07-20-2017
Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
91-Day 0.130% 0.130% $1,000.00
6-Month 0.150% 0.150% $1,000.00
9-Month 0.180% 0.180% $1,000.00
12-Month 0.220% 0.220% $1,000.00
18-Month 0.270% 0.270% $1,000.00
24-Month 0.300% 0.300% $1,000.00
30-Month 0.400% 0.400% $1,000.00
36-Month 0.500% 0.500% $1,000.00
48-Month 0.550% 0.550% $1,000.00
60-Month 0.800% 0.800% $1,000.00
72- Month 0.900% 0.900% $1,000.00
Specialty Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
12-Month Young Savers 0.220% 0.220% $100.00
15-Month RateKeeper 0.250% 0.250% $1,000.00
24-Month WealthBuilder 0.270% 0.270% $1,000.00
36-Month Step-Up 0.350% 0.350% $1,000.00
60-Month Step-Up 0.450% 0.450% $1,000.00
5-Year High Yield 1.900% 1.900% $1,000.00
6-Year High Yield 2.000% 2.000% $1,000.00
7/10 Split - 7 Year Portion1 2.250% 2.250% $1,000.00
7/10 Split - 10 Year Portion1 2.400% 2.400% $1,000.00
Jumbo Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
4-Week 0.120% 0.120% $100,000.00
91-Day 0.150% 0.150% $100,000.00
6-Month 0.180% 0.180% $100,000.00
12-Month 0.250% 0.250% $100,000.00
18-Month 0.300% 0.300% $100,000.00
Share Certificate Account and Jumbo Share Certificate Account offering rates are subject to change daily and are fixed for the term of the account. Dividends are calculated on the balance of the account each day. Dividends on the weekly, 91 day and 6 month terms are paid at maturity. For all other terms, dividends are paid and compounded quarterly and at maturity.

A penalty will be imposed for early withdrawal from Share Certificate Accounts, Specialty Share Certificate Accounts, or Jumbo Share Certificate Accounts.

For specific information about account rates and terms, call us at 202.212.6400 to speak to one of our Member Service Representatives.

Refer to Bank-Fund Staff Federal Credit Union's Truth in Savings Disclosure, located in the Account Disclosures section of our site, for additional information.
  • 1The 7-year and 10-year products must be opened simultaneously.

Further Resources