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Share Certificates & IRA Share Certificates

If you’re looking for the best certificate of deposit rates, see what Seasons Federal Credit Union can do for you. Don't miss out on the opportunity to watch your savings grow steadily with the security that comes with opening a certificate of deposit. Certificates of deposit offer peace of mind and stability, making them an excellent option for those seeking low-risk investments.

We provide share certificates which are the credit union equivalent of a bank certificate of deposit (CD). Whether it's saving for a down payment on a house, funding your child's education, or preparing for retirement, we can help every step of the way. With various short-term to long-term options, you can select the CD that aligns with your financial objectives and timeline. Start investing in your future today!

Certificates are great for saving money when you don’t need it right away. Opening a Certificate, sometimes called a certificate of deposit or CD, is simple. Chose any time frame between 3 to 60 months. Then make a one-time deposit to lock in the rate. 


Current Share Certificate Specials


new July rates and term specials

*APY = Annual Percentage Yield, rates effective May 1, 2024. 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 7/1/2024.

Term Dividend Rate APY
3 Month 0.50% 0.50%
6 Month 4.41% 4.50%
9 Month 4.41% 4.50%
12 Month 4.41% 4.50%
14 Month 4.17% 4.25%
18 Month 3.69% 3.75%
24 Month 3.69% 3.75%
36 Month 2.72% 2.75%
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 credit union 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 our Meriden or Middletown, CT branch. You can avoid waiting in the lobby when you need financial help.

Make an Appointment

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