• Minimum deposit of $500 - $1,000
  • Dividends paid at maturity

What's the Difference Between a Share Certificate and a CD?

A share certificate is similar to a certificate of deposit (CD) but is issued by a credit union rather than a bank. Like a CD, they’re issued for a fixed period of time—generally between 3 months and 7 years. They also earn slightly higher dividends than other savings options. Another advantage of certificates is they provide a safe and secure way to grow your money, regardless of market fluctuations. 

Explore our certificate rates below and enjoy one of the safest paths to financial security.


Rates & Fees


Effective Date: 07/01/2021
Early withdrawal penalties will or may be imposed for early withdrawal
6-Month Dividends paid at maturity $500 Minimum 0.15% 0.15%
1-Year Monthly $1,000 & Over 0.20% 0.20%
2-Year Monthly $1,000 & Over 0.30% 0.30%
3-Year Monthly $1,000 & Over 0.35% 0.35%
4-Year Monthly $1,000 & Over 0.40% 0.40%
5-Year Monthly $1,000 & Over 0.45% 0.45%
*APY = Annual Percentage Yield. Dividends paid monthly


What terms do you offer?
We currently offer 6-Month, 1-Year, 2-Year, 3-Year, 4-Year, and 5-Year Certificates.

Are funds safe in share certificates?
Funds are insured through National Credit Union Administration (NCUA) up to $250,000.

What if I have more than $250,000 that I want to have insured?
We will work with you to help structure your accounts to ensure you’re covered.

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