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Share Certificate

Earn more with your savings.



A secure way to grow
your savings

Our Share Certificate Accounts (SCAs) offer safety with a guaranteed rate of return.

  • Choose terms ranging from 6 months to 10 years
  • Minimum balance of $1,000 to open
  • No service charges
  • Jumbo Share Certificates available for larger deposit amounts
  • Federally insured to $250,000 by NCUA

    Terms & Conditions

How Much Money Can I Save Over Time?

Years to Save

Couple walking in park

Open a Share Certificate Today

Log in to Digital Banking, click
on Self Service and then on Account Opening.

Need more information? Schedule an appointment with us, send us a chat or call

Schedule an Appointment


  • 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 one of our long-term SCAs:

    • 5-year, 6-year, 7-year, and a 10-year options
    • Guaranteed rate of return
    • Federally insured by NCUA

    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.



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, for additional information.

Your Savings are Safe

Your savings are insured by the NCUA (National Credit Union Administration), an agency of the federal government, and the administrator of the NCUSIF (National Credit Union Share Insurance Fund). Your savings are protected up to at least $250,000 per individual depositor, or it could be more based on account ownership and structure. Visit our NCUA Share Insurance page to learn more.

NCUA Insured up to $250,000 – individual $250,000. 
NCUA Insured up to $500,000 – individual $250,000, joint owner $250,000
NCUA Insured up to $750,000 – individual $250,000, joint owner $250,000, IRA account $250,000 
NCUA Insured up to $1,000,000 – individual $250,000, joint owner $250,000, IRA account $250,000, trust account $250,000 (1 qualifying beneficiary) 
NCUA Insured up to $2,000,000 - individual $250,000, joint owner $250,000, IRA account $250,000, trust account $1,250,000 (5 qualifying beneficiaries)

Manage your BFSFCU Accounts Wherever You Go

Log in or enroll now to enjoy the benefits of Digital Banking, including:

  • View balances and transactions

  • Make deposits

  • Transfer money

  • Make credit card payments

  • Locate nearby surcharge-free ATMs