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For the Patient Savers

Share Certificate

Share Certificates are a secure and low-risk alternative to a traditional savings account, where your money can grow at a fixed rate. This option is unique because you can earn interest for keeping your money in the account for a fixed period, called a term. Share Certificates reward a depositor with a higher dividend in exchange for a commitment to not make withdrawals during the specified term. The longer the term, the higher the dividend you can yield, making Share Certificates ideal for those looking to accumulate stable, long-term wealth. 

With terms ranging from three months to five years and starting with as little as $500, a Share Certificate offers you the flexibility to choose a term that suits your needs. This higher earning potential allows you to prepare for the big moments and get to the good parts of life. 

Open a Share Certificate Account

Features and Benefits:

  • Stable, secure, and NCUA insured
  • A variety of terms to fit your needs
  • An excellent way to save for vacations, retirement, major purchases or other life events
  • Solid way to save if you can lock your money for a specified time
Schedule an Appointment

Share Certificates

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
30 Month† $1,000 3.98% 4.05% Monthly
3 Month $500 1.25% 1.26% Monthly
6 Month $500 1.75% 1.76% Monthly
1 Year $500 1.75% 1.76% Monthly
2 Year $500 2.00% 2.02% Monthly
3 Year $500 2.05% 2.07% Monthly
4 Year $500 2.10% 2.12% Monthly
5 Year $500 2.20% 2.22% Monthly
Open an Account

APY is accurate as of July 7, 2025 the last dividend declaration date.
*APY= Annual Percentage Yield. Early withdrawal penalties apply and will reduce earnings on account. Maintenance or activity fees could reduce earnings on account. Dividends compound and credit monthly. For full details, refer to the Truth in Savings Share Certificate Disclosure. Insured by NCUA. Membership required.

†Special subject to change without prior notice and available for a limited time. Entire certificate must be funded by new money outside of Kohler Credit Union with a minimum of $1,000 and a maximum of $500,000. Financial Institutions and public funds are ineligible. 30-Month Certificate will automatically renew to a standard 36-Month Certificate at the rates effective at time of renewal.

IRA

IRAs

Individual Retirement Accounts allow you to save for retirement with significant tax advantages.

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HSA

HSA

A Health Savings Account (HSA) is a tax-exempt account that allows you to save money to pay for future medical expenses.

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