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Maximize Your
Guaranteed Returns.

Lock in higher dividend rates with a safe, simple, and guaranteed way to grow your savings.
View Our Best Certificate Rates Now

Guaranteed Growth, No Guesswork

If you have funds you don’t need access to right away, a Share Certificate (the credit union equivalent of a Certificate of Deposit, or CD) is an excellent way to guarantee a higher return. When you open a certificate at Sweet Home FCU, you’ll lock in an excellent fixed rate for the duration of the term.

Higher Yields

Our certificate rates are generally higher than standard savings accounts, maximizing your earnings potential.

Fixed & Guaranteed

Your rate won’t change, regardless of market fluctuations. You know exactly what you will earn.

Flexible Terms

Choose a term that fits your timeline, from short-term [Insert Short Term, e.g., 6 months] to long-term [Insert Long Term, e.g., 60 months].

Safe & Insured

Your investment is federally insured up to $250,000 by the NCUA.

Perfect for Savings Goals

Ideal for money set aside for future purchases, like a new car, a home down payment, or college expenses.

IRA Option

You can fund your Traditional or Roth IRA using a Share Certificate to gain tax advantages alongside guaranteed returns.
Open Your Certificate Account Today!

Share Certificate Features

Find the term that works best for your financial plan.

Minimum Balance

$500.00 Minimum
$100,000.00 Maximum

Available Terms

12 months

Dividend Payout

Dividends are paid monthly.

Penalty for Early Withdrawl

Three months of earned dividend penalty for an early withdrawal.

See our current Rate Sheet for the Annual Percentage Yield (APY) corresponding to each term.

Ready to Lock
In Your Rate?

Don’t let your funds sit idle. Secure a great rate today and watch your money grow worry-free!
Get Started Today!

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Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

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Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Continue to Site

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Continue to Site