- 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
|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.