Higher returns with peace of mind
Share certificate accounts offer a stable, secure way to grow your money, especially funds you don't need access to right away. You'll earn a guaranteed rate for the term of your share certificate, and you can have peace of mind knowing your principal is federally insured. In addition, share certificates traditionally offer higher rates than savings or money market accounts so you can reach your savings goals faster.
Opening an account is easy! You can apply online in just a few minutes.
Or give us a call at 800.347.9222.
7-month share certificate rate
A minimum opening deposit of $20,000 in new funds from outside Solarity are required to earn the highest rate. See disclosures for additional account requirements.
Here's the scoop on share certificate accounts
Share certificates are like certificates of deposit (CDs), but share certificates are issued by credit unions and CDs are issued by banks. If you have funds you won't be needing right away, choose a longer term share certificate to maximize your earning potential. Or ask us about laddering as a strategy to keep your earning potential on track without locking up your funds in a single, long-term share certificate.
Guaranteed return
Your rate is locked in for the term of the certificate
A variety of terms
Choose the timeframe that works for you, from 3 months up to 48 months
Tiered rates
Earn higher rates for higher balances and longer terms
Penalty-free withdrawals
Partial withdrawals of posted dividends are allowed prior to maturity without a penalty
Put your money to work for you
Share certificate accounts are a great option for funds you won't need immediately. Lock in your rate for the term of your share certificate and earn a higher rate on higher balances.
- Rates vary based on term and balance
- Terms vary from 3 months up to 48 months (3, 6, 12, 24, 36 and 48)
- Make additional deposits of $25 or more by payroll deduction or direct deposit
- Partial withdrawals of posted dividends prior to maturity allowed without a penalty
- Certificate-secured loans available
- Laddering may help you maximize your earnings without locking up all your money
Our members say it best
Common questions about personal banking
Click on the “Open an Account” button.
Once you’ve selected the type of account you’d like to open, the application will walk you through what's needed to complete the process.
If you need assistance, call us at 800.347.9222. We'll be happy to help.
Certificates are similar to certificates of deposit (CDs), but certificates are issued by credit unions and CDs are issued by banks. At Solarity, we offer great rates on certificates with a variety of term options. Click here to view today's rates.
It only takes a few moments to enroll in online banking. You will need to have a valid email address on file and answer a few questions to verify your identity.
If a valid email address is not on file, give us a call at 800.347.9222, and we'll be happy to assist you.
Click here: Enroll In Online Banking
Get more from your membership
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Bonus Savings
Earn a great rate on your entire balance with no minimums, no maximums and absolutely no monthly service fees.
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Ready to open a share certificate?
We make opening your account FAST and EASY! There are three simple ways to get started:
By phone
Connect with our friendly team members at 800.347.9222. We'll explain the products and get you ready to open your new account.
Call now
At a branch
Stop by any of our local branches and speak with one of our helpful branch experts.
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Annual Percentage Yield effective as of date shown. Requires a minimum of $20,000 in new funds from outside Solarity to earn the advertised APY. Maximum opening deposit of $1 million. A penalty may be imposed for early withdrawal. Does not apply to IRAs. Fees may reduce earnings.
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