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Overview
The safest investment
A Share Certificate is one of the safest investments you can make, with a guaranteed rate of return. The longer you are willing to leave your money untouched, the more interest you’ll earn. Plus, get a 0.25% APY* dividend bonus when you qualify for our Member Benefits program.
- Better interest rates for higher balances
- Federally insured up to 250,000
- Flexible terms—from three months to five years
- IRA Share Certificates also available
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Rates
Term Share Certificates – Member Benefit Rates
Term** Regular $500 - $49,999
Dividend Rates / APY*Jumbo $50,000 - $99,999
Dividend Rates / APY*Super Jumbo $100,000+
Dividend Rates / APY*3 months 0.40% / 0.40% 0.50% / 0.50% 0.70% / 0.70% 6 months 0.65% / 0.65% 0.75% / 0.75% 0.80% / 0.80% 1 year 1.70% / 1.71% 1.80% / 1.81% 1.85% / 1.87% 2 years 1.85% / 1.87% 1.90% / 1.92% 2.00% / 2.02% 3 years 1.90% / 1.92% 1.95% / 1.97% 2.10% / 2.12% 4 years 1.95% / 1.97% 2.00% / 2.02% 2.15% / 2.17% 5 years 2.20% / 2.22% 2.25% / 2.27% 2.30% / 2.32% EFFECTIVE RATE DATE: September 29, 2022
TERM SHARE CERTIFICATES: Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details. All Rates and Terms are subject to change without notice.*APY = Annual Percentage Yield.
**Rate bonus is applicable for new and renewing Share Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program Rate bonus may not be combined with any other promotion. If you qualify for Member Benefits upon certificate renewal, rate bonus will automatically be applied.
Youth Term Share Certificates – Member Benefit Rates
Youth Share Certificates Dividend Rate / APY* 6 months 0.65% / 0.65% 1 year 1.70% / 1.71% EFFECTIVE RATE DATE: September 29, 2022
YOUTH TERM SHARE CERTIFICATE – $100.00 minimum to open. Early withdrawal penalties may apply. Ask for complete details.
The Dividend Rate and APY for each Youth Share Certificate Account are set forth above. The Dividend Rate and APY on all Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If a Term Share Certificate Account were opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account. All Rates and Terms are subject to change without notice.
*APY = Annual Percentage Yield.
IRA Term Certificates- Member Benefit Rates
Term Regular $500 - $49,999
Dividend Rate / APY*Jumbo $50,000 - $99,999
Dividend Rate / APY*Super Jumbo $100,000+
Dividend Rate / APY*6 months 0.65% / 0.65% 0.75% / 0.75% 0.80% / 0.80% 1 year 1.70% / 1.71% 1.80% / 1.81% 1.85% / 1.87% 2 years 1.85% / 1.87% 1.90% / 1.92% 2.00% / 2.02% 3 years 1.90% / 1.92% 1.95% / 1.97% 2.10% / 2.12% 4 years 1.95% / 1.97% 2.00% / 2.02% 2.15% / 2.17% 5 years 2.20% / 2.22% 2.25% / 2.27% 2.30% / 2.32% EFFECTIVE RATE DATE: September 29, 2022
IRA TERM CERTIFICATES – Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details. Rates are subject to change.*APY = Annual Percentage Yield.
**Rate bonus is applicable for new and renewing IRA Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program Rate bonus may not be combined with any other promotion. If You qualify for Member Benefits upon certificate renewal, rate bonus will automatically be applied.
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FAQs
FAQS
What is the minimum opening deposit?
The minimum opening deposit for a Share Certificate is $500.
For a Jumbo Certificate, it is $50,000 and for a Super Jumbo Certificate, it is $100,000.
Can I make additional deposits on this account?
Deposits are restricted until the certificate matures (e.g. until the term is over).
What are the rules for withdrawals?
Interest can be paid out monthly. There is a dividend penalty if a member withdraws any principal prior to maturity. Early withdrawal penalties do not apply to withdrawals made after the death of any owner of the account.
Start saving today!
Open a Share Certificate in online or mobile banking, or call us at (877) 695-2732.
Open NowQuestions? Call us 877-695-2732
Disclosures
*APY = Annual Percentage Yield. Minimum opening deposit for a regular share certificate is $500. Early withdrawal penalties may apply. Ask for complete details.