San Antonio Federal Credit Union is a community-based bank that loves to help our community grow through financial education and giving.

Money is always taken seriously and authorities provide you with all the info you need to make an educational decision when it comes to how to use your checking account as well as the performance of your investments, like an IRA, CD, or student account. The complete details about SACU CD Rates are described below;

SACU CD Rates Offers

The specified CD offers are;


  • APY: 4.50%
  • Minimum Deposit: $1,000.00


  • The shorter term may result in lower overall returns compared to longer-term certificates.

Pros & Cons

Short-term commitmentLower overall returns


  • APY: 4.25%
  • Minimum Deposit: $1,000.00


  • Premature withdrawals may result in penalties.

Pros & Cons

Balanced durationModerate duration


  • APY: 4.10%
  • Minimum Deposit: $1,000.00


  • Investors should assess whether the 18-month term aligns with their financial goals.

Pros & Cons

Intermediate durationBalancing duration and returns


  • APY: 3.85%
  • Minimum Deposit: $1,000.00


  • Investors should be comfortable with a more extended lock-in period.

Pros & Cons

Long-term perspectiveLong-term commitment
Stable APYPotential rate comparisons


  • APY: 3.65%
  • Minimum Deposit: $1,000.00


  • Investors should align the 36-month term with their overall financial strategy.

Pros & Cons

Competitive APYPotential future rate changes

Are SACU CD Rates Competitive?

SACU stands out as the prominent perspective because it offers competitive CD rates. The Annual Percentage Yield across various terms is quite prominent in the financial market.

  • The rates range from 3.65% to 4.50%, outperforming many traditional savings accounts. SACU’s 12-month CD stands out with a notable 4.25% APY, providing an attractive return for a one-year commitment.
  • The credit union maintains accessibility with a reasonable minimum deposit requirement of $1,000 for each CD term.
  • The competitive APYs, combined with varied term options ranging from 6 to 36 months, cater to different investor preferences and time horizons. While rates for shorter durations are higher, even the longer 36-month term offers a commendable 3.65% APY

Overview SACU

We offer partnership requests for charitable, religious, and educational organizations so we can best know what’s happening in the community and offer our services and skills. We encourage our employees to volunteer with paid hours to improve our community. 

We also offer scholarships of $2500 for 4 high school students headed to college every year. Many of our events are centered around students and issues with low-income housing, as well as people who are struggling to keep their fridges and pantries full of good food.

Why do we give? Because financial education and growth opportunities are essential to our communities and our bank. Without monetary resources, many people and small businesses would be limited in their ability to grow and succeed.

SACU offers personal bankers who develop personal relationships with our customers to best get to you and your needs. Everyone’s a little different and SACU wants to uncover your hidden needs to best meet you in your life situation. Your success means our success, and inevitably community success.


Opening a certificate of deposit is easy. First, become a member of the San Antonio Federal Credit Union. We can then open a checking or savings account for you. We can deposit earnings from your certificate of deposit into one of those accounts too.

Locations SACU 

We offer four locations, including San Antonio, Dade City, Zephyrhills, and Wesley Chapel. We also have an ATM network for your convenience of getting cash out of your checking and savings accounts.

Frequently Asked Questions

What is the minimum deposit required for SACU’s Share Certificates?

The minimum deposit for SACU Share Certificates is $1,000.00 for all terms, ranging from 6 to 36 months. This ensures accessibility for a broad range of members seeking to invest in these certificates.

Are there penalties for early withdrawal from SACU Share Certificates?

Yes, SACU imposes penalties for early withdrawal from Share Certificates. Members should be aware that accessing funds before the maturity date may result in penalties, impacting the overall returns on the investment.

How is the Annual Percentage Yield calculated for SACU Share Certificates?

The APY for SACU Share Certificates is calculated on an annual basis and reflects the total interest earned, including compounding, over one year. This rate provides members with a clear understanding of the potential returns on their investment.

Can SACU members choose to reinvest their Share Certificate funds upon maturity?

Yes, SACU members have the option to reinvest their Share Certificate funds upon maturity. The credit union typically provides members with various renewal options, allowing them to continue their investment journey seamlessly.

How frequently are SACU’s CD rates updated?

SACU CD rates are subject to change based on market conditions, and the credit union updates them periodically.