Savings Certificates

  • Overview

    Savings Certificates

    Looking for a better rate for your savings? While there’s no question that putting money away helps you save for the future, if you’re earning low rates on your funds, you’re not getting the most value.

    Our savings certificates might be the answer. Ideal for all people at all phases of life, our savings certificates offer fixed rates, guaranteed returns, and maturities ranging from 3 months to five years. With an opening deposit as low as $500 to start, you’ll be well on your way to earning better yields.

    An account to help you earn higher dividends on your investment

    • $500 minimum opening deposit
    • Dividends paid out at monthly intervals
    • Withdraw earnings at any time*
    • The ability to use these savings certificates as collateral on a Certificate Secured Loan
    • Certificates from 3 months to 5 years

    "I've enjoyed being a member of the credit union for about 30 yrs."

    - C.K.

    Disclosures

    *Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.

    **APY = Annual Percentage Yield. Federally Insured by NCUA. Rates accurate as of April 14, 2023, and are subject to change. Minimum balance of $500 for all Share Certificates. Refer to our Pricing Guide (PDF) for all fees. Fees may reduce earnings. The disclosed Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that Spirit of Alaska anticipates paying for the applicable dividend period. Penalties apply for early withdrawal of principal from a certificate. For complete certificate account disclosure and penalty information, please see Terms and Conditions on our Disclosures page.

  • Rates

    Savings Certificate Rates

    Certificate Term Traditional & Certificate IRA Min.Bal. to Open and Earn Dividends Dividend Rate APY*

    3 Month

    		 $500.00 0.75% 0.75%

    6 Month

    		 $500.00 1.50% 1.51%

    12 Month

    		 $500.00 1.98% 2.00%

    12 Month - Spring 2023 Special**

    		 $500.00 4.74% 4.85%

    18 Month

    		 $500.00 1.98% 2.00%

    18 Month - Spring 2023 Special**

    		 $500.00 4.16% 4.25%

    24 Month

    		 $500.00 2.20% 2.22%

    30 Month

    		 $500.00 1.98% 2.00%

    36 Month

    		 $500.00 2.60% 2.63%

    48 Month

    		 $500.00 1.99% 2.01%

    60 Month

    		 $500.00 2.32% 2.25%

    *Annual Percentage Yield. Refer to our Pricing Guide (PDF) for all fees. Fees may reduce earnings. The disclosed Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that Spirit of Alaska anticipates paying for the applicable dividend period. Penalties apply for early withdrawal of principal from a certificate. For complete certificate account disclosure and penalty information, please see Terms and Conditions on our Disclosures page.

    **Qualifying outside funds apply. Cash prizes. See our Rates PDF for details.

    Interest Rates Current as of 5/2/2023. New certificate rates subject to change at any time

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  • FAQ

    Frequently Asked Questions

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