Certificate Accounts


Earn a Higher Yield on Your Money

Earn more interest on your money with a certificate of deposit. 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:

  • $500 minimum deposit

  • Flexible terms ranging from three months to five years

  • Attractive and competitive rates

  • Dividends are paid monthly and can be added to your principal or transferred to another Spirit Financial Credit Union account

  • Convenient automatic renewal

  • Deposits are federally insured by the NCUA up to $250,000

To learn more about our Certificate options or to open a certificate, please visit our Spirit Financial office or call (267) 580-0230.


Account Rates

Effective Date 11/1/2018. Rates Subject to Change.

Account Type APR* APY**
3 Month Share Certificate 0.200% 0.20%
6 Month Share Certificate / IRA Certificate 0.399% 0.40%
9 Month Share Certificate / IRA Certificate 0.598% 0.60%
1 Year Share Certificate / IRA Certificate 1.094% 1.10%
18 Month Share Certificate / IRA Certificate 1.193% 1.20%
2 Year Share Certificate / IRA Certificate 1.785% 1.80%
3 Year Share Certificate / IRA Certificate 2.325% 2.35%
4 Year Share Certificate / IRA Certificate 2.423% 2.45%
5 Year Share Certificate / IRA Certificate 2.521% 2.55%

Earn more by investing for a longer term

Your first step to saving starts here! To learn more about our certificate options or to open a certificate, please visit our Spirit Financial office or call (267) 580-0230.