Why Open a Share Certificate?
Guaranteed Returns
Fixed
Rates
Flexible
Terms
$1,000 Opening Deposit
Protected Funds
Guaranteed Returns
Fixed
Rates
Flexible
Terms
$1,000 Opening Deposit
Protected Funds
What is a Share Certificate?
A Rewarding Way to Save
Some things take time to grow, like a solid financial future. With a Share Certificate, you can put your money to work with a guaranteed return. Whether you’re saving for the future or simply want your money to grow faster than in a traditional savings account, locking in a competitive rate makes it easy to stay on track and hit your targets.
Open Now
Share Certificate Details
Steady Growth, Zero Guesswork
The benefits of a Share Certificate don’t stop at steady growth. It’s a dependable way to build your savings with confidence.
- Earn guaranteed returns with fixed rates.
- Choose from a range of terms to fit your savings goals.
- Your money grows safely, with no risks, and no surprises.
- Start saving with a low $1,000 opening deposit.
- Enjoy peace-of-mind knowing your funds are protected.
Open a Share Certificate
How to Get Started
Ready to see your money do more, while enjoying federally insured funds (and a little peace of mind)? Open a share certificate today!
- Apply online in just a few easy steps.
- Open an account using LIVE Stream Video and chat with us directly!
Share/IRA Certificates Rates
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months* | 4.11% | 4.15% |
| 12 Months* | 3.94% | 4.00% |
| 18 Months* | 3.94% | 4.00% |
| 24 Months* | 3.70% | 3.75% |
| 30 Months* | 2.97% | 3.00% |
| 60 Months* | 2.97% | 3.00% |
| Dividend Rate | 4.11% |
|---|---|
| Annual Percentage Yield (APY) | 4.15% |
| Dividend Rate | 3.94% |
|---|---|
| Annual Percentage Yield (APY) | 4.00% |
| Dividend Rate | 3.94% |
|---|---|
| Annual Percentage Yield (APY) | 4.00% |
| Dividend Rate | 3.70% |
|---|---|
| Annual Percentage Yield (APY) | 3.75% |
| Dividend Rate | 2.97% |
|---|---|
| Annual Percentage Yield (APY) | 3.00% |
| Dividend Rate | 2.97% |
|---|---|
| Annual Percentage Yield (APY) | 3.00% |
*$1,000 minimum opening deposit required. A penalty applies for early withdrawal.
Early withdrawal penalties may apply. Unless otherwise noted: Accounts with a term of one year or less may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 90 days, or $25.00. Accounts with a term longer than one year may incur a penalty of the greater of seven days’ dividends on the withdrawn amount, all dividends earned up to 180 days, or $25.00. The penalty may be calculated based on the rate at the time of withdrawal and, if necessary, deducted from the principal.
Frequently Asked Questions
Yes, but early withdrawals typically incur a penalty, which may include loss of some or all accrued dividends.
There are two main reasons for early withdrawal penalties:
- Impact on lending: As a member-owned, not-for-profit credit union, the funds you invest in a share certificate are loaned out to other members for things like cars, homes, and businesses. When you invest in a certificate, the credit union knows how long your money will be available to lend, which allows us to manage loan rates and dividends efficiently for maximum benefit to the members. Withdrawing early disrupts this balance, and the penalty helps mitigate that risk.
- Regulatory requirements: Term certificates are not demand accounts. By regulation, we must apply fees for early or excessive withdrawals from non-demand accounts.
Upon maturity, you can choose to renew the certificate at the current rate, withdraw the funds, or transfer them to another account.
Calculate Your Savings Contributions
See how your money can grow over time with a certificate that works for you.
View Calculators
