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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** RATE APY* DIVIDEND PERIOD
9 Month† $5,000 1.98% 2.00% Monthly
18 Month† $5,000 2.47% 2.50% 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 1.69% 1.70% Monthly
2 Year $10,000-$24,999.99 1.74% 1.75% Monthly
2 Year $25,000 & Over 1.79% 1.80% Monthly
3 Year $500-$9,999.99 1.93% 1.95% Monthly
3 Year $10,000-$24,999.99 1.98% 2.00% Monthly
3 Year $25,000 & Over 2.03% 2.05% Monthly
4 Year $500-$9,999.99 2.42% 2.45% Monthly
4 Year $10,000-$24,999.99 2.47% 2.50% Monthly
4 Year $25,000 & Over 2.52% 2.55% Monthly
5 Year $500-$9,999.99 2.91% 2.95% Monthly
5 Year $10,000-$24,999.99 2.96% 3.00% Monthly
5 Year $25,000 & Over 3.01% 3.05% Monthly

Rates as of October 26, 2018.
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.

†Annual percentage yield. Minimum of $5,000 deposit to receive 2.00% APY for the 9 month term and 2.50% APY for the 18 month term. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of October 26, 2018, are subject to change, and available for a limited time. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Certificate renews automatically to a standard 12 month certificate at the rate in effect at the time of renewal. Your savings are federally insured to at least $250,000. Membership is required.