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Share Certificates

Open a share certificate online

An alternative to a regular savings account, a share certificate earns higher rates with a fixed rate of return, providing you with a great opportunity to save for major life events. With terms between three months up to five years, and starting with as little as $500, the share certificate gives you higher earning potential. Benefits include:

  • 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 have the ability to lock your money for a specified time
DEPOSIT TYPE BALANCE REQUIREMENTS** DIVIDEND RATE APY* DIVIDEND PERIOD
5 Month† $1,000 5.32% 5.45% Monthly
3 Month $500 & Over 1.25% 1.26% Monthly
6 Month $500 & Over 1.75% 1.76% Monthly
1 Year $500-$9,999.99 1.95% 1.97% Monthly
1 Year $10,000-$24,999.99 2.00% 2.02% Monthly
1 Year $25,000 & Over 2.05% 2.07% Monthly
2 Year $500-$9,999.99 2.35% 2.38% Monthly
2 Year $10,000-$24,999.99 2.40% 2.43% Monthly
2 Year $25,000 & Over 2.45% 2.48% Monthly
3 Year $500-$9,999.99 2.40% 2.43% Monthly
3 Year $10,000-$24,999.99 2.45% 2.48% Monthly
3 Year $25,000 & Over 2.50% 2.53% Monthly
4 Year $500-$9,999.99 2.45% 2.48% Monthly
4 Year $10,000-$24,999.99 2.50% 2.53% Monthly
4 Year $25,000 & Over 2.55% 2.58% Monthly
5 Year $500-$9,999.99 2.50% 2.53% Monthly
5 Year $10,000-$24,999.99 2.55% 2.58% Monthly
5 Year $25,000 & Over 2.60% 2.63% Monthly

Rates as of May 1, 2024.
Rates may change after the account is opened. Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Membership is required.
*APY equals Annual Percentage Yield.
**Minimum balance required to earn the advertised APY.

†APY = Annual percentage yield. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of April 15, 2024, are subject to change, and available for a limited time. 5 month term: to receive the 5.32% rate / 5.45% APY a minimum of $1,000 is required to open and entire certificate must be funded by new money to Kohler Credit Union, with a $500,000 maximum. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 5 month certificate renews automatically to a standard 6 month certificate at the rates in effect at the time of renewal. Financial institutions and public funds are ineligible. Federally insured by the NCUA. Membership eligibility and membership is required.