Apply at any Location

 

Features

  • Minimum deposit of $500 - $1,000
  • 6-Month Certificate - Dividends paid at maturity
  • 1-5 Year Certificates: Dividends paid monthly

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

 

Certificates
Effective Date: 01/01/2026
Early withdrawal penalties will or may be imposed for early withdrawal
DescriptionCompoundedAmountAPRAPY
6-Month Dividends paid at maturity $500 - $9,999 2.47% 2.50%
6-Month Dividends paid at maturity $10,000 - $24,999 2.96% 3.00%
6-Month Dividends paid at maturity $25,000 & Over 3.44% 3.50%
1-Year Monthly $1,000 - $9,999 2.96% 3.00%
1-Year Monthly $10,000 - $24,999 3.20% 3.25%
1-Year Monthly $25,000 & Over 3.68% 3.75%
2-Year Monthly $1,000 - $9,999 3.00% 3.05%
2-Year Monthly $10,000 - $24,999 3.25% 3.30%
2-Year Monthly $25,000 & Over 3.73% 3.80%
3-Year Monthly $1,000 - $9,999 1.49% 1.50%
3-Year Monthly $10,000 - $24,999 1.98% 2.00%
3-Year Monthly $25,000 & Over 2.71% 2.75%
4-Year Monthly $1,000 - $9,999 0.40% 0.40%
4-Year Monthly $10,000 - $24,999 1.55% 1.56%
4-Year Monthly $25,000 & Over 2.53% 2.56%
5-Year Monthly $1,000 - $9,999 0.45% 0.45%
5-Year Monthly $10,000 - $24,999 1.43% 1.44%
5-Year Monthly $25,000 & Over 2.41% 2.44%
*APY = Annual Percentage Yield. Dividends paid monthly

FAQs

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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