Certificates
Maximize your savings with a SLO Credit Union Certificate Account! A great way to lock in a higher interest rate on your savings. Your money is deposited for a specific amount of time and in return, the Credit Union offers you a rate that is typically higher than a regular savings account. We currently offer certificates with terms of 6 through 60 months. Choose your term, earn consistent dividends, and reinvest to earn our highest dividend rates. The best thing about these accounts is that they only require a deposit of $100.
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 6 MONTH CERTIFICATE | 3.45% | $100 |
| 12 MONTH CERTIFICATE | 3.03% | $100 |
| 24 MONTH CERTIFICATE | 2.83% | $100 |
| 36 MONTH CERTIFICATE | 2.32% | $100 |
| 48 MONTH CERTIFICATE | 1.81% | $100 |
| 60 MONTH CERTIFICATE | 1.81% | $100 |
Why a Certificate Makes Sense Right Now
In a world of unpredictable markets, a Certificate Account gives you something rare: certainty. You know exactly what rate you’ll earn and exactly when your money will be available — no surprises, no guesswork. Whether you’re saving for a home down payment, building an emergency fund, or simply looking for a safer place to grow your money than a traditional savings account, a Certificate turns your savings into a plan.
Local Roots. Local Commitment.
As your San Luis Obispo credit union, we’re not a nameless national bank — we’re your neighbors. We understand that your goals are tied to this community, and we’re here to help you reach them, one dividend at a time. When you open a Certificate with us, your money isn’t just earning a great rate — it’s staying local, supporting the same credit union that supports SLO families, local businesses, and the community you call home.
Peace of Mind, Insured
Every dollar you deposit into a Certificate Account is federally insured, so you can watch your savings grow with complete confidence. No market volatility. No hidden fees. Just steady, predictable growth backed by a credit union that’s invested in your future as much as you are.
Ready to Get Started?
Opening a Certificate is simple, and with a minimum deposit of just $100, it’s accessible no matter where you are in your savings journey. Stop by a branch, give us a call, or apply online — our team is ready to help you choose the term that fits your goals.