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Share Certificates

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

Open a share certificate online

DEPOSIT TYPE MINIMUM BALANCE** DIVIDEND RATE APY* DIVIDEND PERIOD
11 Month† $10,000 1.93% 1.95% Monthly
3 Month $500 0.75% 0.75% Monthly
6 Month $500 1.24% 1.25% Monthly
1 Year $500-$9,999.99 1.44% 1.45% Monthly
1 Year $10,000-$24,999.99 1.49% 1.50% Monthly
1 Year $25,000 & Over 1.54% 1.55% Monthly
2 Year $500-$9,999.99 1.49% 1.50% Monthly
2 Year $10,000-$24,999.99 1.54% 1.55% Monthly
2 Year $25,000 & Over 1.59% 1.60% Monthly
3 Year $500-$9,999.99 1.54% 1.55% Monthly
3 Year $10,000-$24,999.99 1.59% 1.60% Monthly
3 Year $25,000 & Over 1.64% 1.65% Monthly
4 Year $500-$9,999.99 1.93% 1.95% Monthly
4 Year $10,000-$24,999.99 1.98% 2.00% Monthly
4 Year $25,000 & Over 2.03% 2.05% Monthly
5 Year $500-$9,999.99 2.18% 2.20% Monthly
5 Year $10,000-$24,999.99 2.23% 2.25% Monthly
5 Year $25,000 & Over 2.28% 2.30% Monthly

Rates as of September 18, 2019.
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.

†Certificate renews automatically to a standard 12 month certificate at the rate in effect at the time of renewal.