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.
48-month share certificate rate
Tiered rates: earn a higher rate for higher balances
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 be needing right away. You can lock in your rate for the term of your share certificate as well as 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
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.
See locations
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.
Mobile App
Manage your accounts anytime, anywhere from the palm of your hand. Pay bills, deposit checks and more!**
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Get the best of both worlds with Dividend Checking: convenient access to your funds while also earning a return.
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Annual Percentage Yield (APY) accurate as of date shown and subject to change. Fixed rate for the term of your certificate; dividends are compounded daily and credited monthly or at maturity. There is a penalty for early withdrawal. Fees may reduce earnings.
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