With our Share Certificate Account rates, maximize your earning potential while protecting your deposit balances!
Features
6 MONTH Share Certificate with a $500 Minimum at 3.38% APY*
6 MONTH Share Certificate with a $10,000 Minimum at 3.88% APY*
6 MONTH Share Certificate with a $25,000 Minimum at 4.38% APY*
1 YEAR Share Certificate with a $1,000 Minimum at 3.02% APY*
1 YEAR Share Certificate with a $10,000 Minimum at 3.52% APY*
1 YEAR Share Certificate with a $25,000 Minimum at 4.02% APY*
- 6-Month Certificate - Dividends paid at maturity
- 1-5 Year Certificates - Dividends paid monthly
| Description | Compounded | Amount | APR | APY |
|---|---|---|---|---|
| 6-Month | Dividends paid at maturity | $500 - $9,999 | 3.35% | 3.38% |
| 6-Month | Dividends paid at maturity | $10,000 - $24,999 | 3.84% | 3.88% |
| 6-Month | Dividends paid at maturity | $25,000 & Over | 4.33% | 4.38% |
| 1-Year | Monthly | $1,000 - $9,999 | 2.98% | 3.02% |
| 1-Year | Monthly | $10,000 - $24,999 | 3.46% | 3.52% |
| 1-Year | Monthly | $25,000 & Over | 3.95% | 4.02% |
| 2-Year | Monthly | $1,000 - $9,999 | 2.22% | 2.24% |
| 2-Year | Monthly | $10,000 - $24,999 | 2.71% | 2.74% |
| 2-Year | Monthly | $25,000 & Over | 3.19% | 3.24% |
| 3-Year | Monthly | $1,000 - $9,999 | 0.35% | 0.35% |
| 3-Year | Monthly | $10,000 - $24,999 | 1.67% | 1.68% |
| 3-Year | Monthly | $25,000 & Over | 2.65% | 2.68% |
| 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 | ||||
*APY = Annual Percentage Yield. Dividends are prospective. Dividends will begin to accrue on non-cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. In case of early withdrawal or fees, earnings could be reduced. Please see details below. The rate, APY, and fee schedule may change at any time without notice. Other investments are also available.
Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. Terms 1 year or less = 90 days’ dividends, and Terms of more than 1 year = 180 days’ dividends.
For Special Share Certificates – $10,000 minimum balance required to open. Penalties apply for early withdrawals. Fees may reduce earnings. Offer not available for financial institutions or other institutional investors. Rate cannot be applied to previously opened certificates. Offering rates may be subject to change.
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
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.