Share Certificates & IRA Share Certificates

With an uncertain market ahead, our certificates enable you to grow your money safely with a guaranteed return. And at rates like these, your future self will thank you.

Current Share Certificate Specials


September certificate rates

*APY = Annual Percentage Yield, rates effective September 11, 2023. If you are moving funds from an existing Seasons FCU Share/IRA Certificate into a Share/IRA Certificates for a higher rate, penalties from the closure of the existing Share/IRA Certificate may apply. Penalty does not apply to those in the Required Minimum Distributions (RMD) age. 


More Share Certificates & IRA Share Certificate Rates

Minimum Balance $1,000.00. Rates effective 9/11/2023.

Term Dividend Rate APY
3 Month 0.50% 0.50%
6 Month 5.94% 6.10%
9 Month 4.89% 5.00%
12 Month 4.65% 4.75%
14 Month 3.06% 3.10%
18 Month 3.93% 4.00%
24 Month 3.20% 3.25%
30 Month 0.00% 0.00%
36 Month 2.23% 2.25%
48 Month 2.23% 2.25%
60 Month 2.72% 2.75%

Click here for more current Share Certificate rates!



Ready to open a Credit Union Share Certificate?

By Phone
A team member would be happy to help you reach your savings goals. Give us a call at (860) 346-6614 to get started today!

In Person
Our branch teams are ready to give you in-person attention to help answer any questions and open your share certificates. Stop by and see us at any location today!



Share Certificate rates are on the rise!

Share certificates are a great hands-off way to save while your money earns a competitive rate. Your money is safe with Seasons FCU because we are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

Personalize Your Savings Plan 

Whether you have a short or long term certificate, you can earn dividends over a period of time that aligns with your brighter way forward. Terms are as short as 3 months and go to 60 months.

Lock-in your interest rate.

Your interest rate is fixed when you open your account and won’t change until the Share Certificate reaches maturity (the end of your term).


Make an appointment with our team in the branches!

Do you have questions about share certificates or your account?

If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into a branch. You can avoid waiting in the lobby when you need financial help.

Make an Appointment

Some of our offerings

Credit Cards

Low interest, rich rewards—your card, your choice.

View rates Apply now

Auto Loans

Great rates, flexible terms, personalized service.

View ratesApply now


Fast, affordable home loans, and help every step of the way.

View ratesApply now

Seasons Federal Credit Union Membership Area Includes:

Become a Member