Earn a Higher Yield on Your Money
Earn more interest on your money with a share certificate. Flexible terms range from 3 months to 5 years. IRA options are available.
Whether you’re saving for retirement, a dream vacation or a child’s education, Spirit Financial Credit Union has a term and rate to help you achieve your goal.
Benefits of a Certificate Account:
Competitive rates
Savings insured up to $500,000 (a combination of the NCUA and ESI)
Interest payment options
Convenient automatic renewal
$500 minimum deposit
Certificate Rates
Effective Date (4/6/2025). Rates Subject to Change.
| Account Type | Rate | APY** |
|---|---|---|
| 3 Month Share Certificate | 0.499% | 0.50% |
| 6 Month Share Certificate / IRA Certificate | 3.687% | 3.75% |
| 9 Month Share Certificate / IRA Certificate | 3.687% | 3.75% |
| 1 Year Share Certificate / IRA Certificate | 3.687% | 3.75% |
| 18 Month Share Certificate / IRA Certificate | 3.687% | 3.75% |
| 2 Year Share Certificate / IRA Certificate | 3.687% | 3.75% |
| 3 Year Share Certificate / IRA Certificate | 3.542% | 3.60% |
| 4 Year Share Certificate / IRA Certificate | 3.445% | 3.50% |
| 5 Year Share Certificate / IRA Certificate | 3.348% | 3.40% |
HAVE QUESTIONS about Certificate Accounts at Spirit financial credit union? Text or call A MEMBER SERVICE REPRESENTATIVE AT (267)-580-0230 OR EMAIL memberservice@spiritfinancialcu.org.
**APY = Annual percentage yield. All rates are subject to change without notice.