None of the Risk, All of the Reward

At Suffolk Federal, we offer Share Certificates as a convenient, no-risk way to make your money grow at your credit union. You’ll earn higher-yielding dividends when you invest as little as $500 from three months to 60 months. Your account’s interest will be applied monthly, and your certificates are federally insured by the NCUA for up to $250,000.

Certificate RatesDividend RateAPY*
$500 Minimum Deposit
Includes Regular, IRA/SEP Certificates
3-Month Certificate1.04%1.05%
6-Month Certificate1.09%1.10%
12-Month Certificate1.24%1.25%
16-Month Certificate3.40%3.45%
24-Month Certificate2.37%2.40%
36-Month Certificate2.57%2.60%
40-Month Certificate3.54%3.60%
48-Month Certificate2.66%2.70%
60-Month Certificate2.76%2.80%


Liquid Certificate Rate NEWDividend RateAPY**
$10,000 Minimum Deposit
11-Month Liquid Certificate2.33%2.35%

To learn more about how Share Certificates can help your savings grow faster, open an account or visit your local branch.

*APY = Annual Percentage Yield. $500 minimum deposit required. Rates and terms are subject to change without notice. Early withdrawal penalties may apply. Membership eligibility rules apply. Insured by NCUA.

**APY = Annual Percentage Yield. Rates and terms are subject to change without notice. $10,000 minimum deposit required to open and maintain. Fees could reduce the earnings on the account. Membership eligibility rules apply. Click here to view the Liquid Share Certificate Account Disclosure. Insured by NCUA.