KCU 9month4.44 Landing 1200x1200 rate
For the Patient Savers

Share Certificate

It’s Back to Savings with Kohler Credit Union’s limited-time 4.44%APY* Share Certificate special. Whether you're restarting your savings journey or looking to grow your funds faster, this high-yield certificate offers a secure and rewarding way to make your money work for you. With guaranteed returns, it's the perfect opportunity to lock in a great rate and take control of your financial future. Don’t miss out—get back to saving today!

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. 

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

Share Certificates

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
9 Month† $1,000 4.35% 4.44% 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

APY is accurate as of August 19, 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. Federally insured by NCUA. Membership required.

**Minimum balance required to earn the advertised APY

†Rates subject to change and available for a limited time. Certificate must be funded with new money not on deposit with Kohler Credit Union. A minimum of $1,000 and a maximum of $500,000 required to receive the rate. Financial institutions and public funds are ineligible. The 9-month certificate will automatically renew to the 12-month certificate at the rate effective at time of renewal.

IRA

IRAs

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

HSA

HSA

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