Share Certificates

If you're fortunate enough to have some extra savings and want to earn higher dividends than you secure savings, checking or opportunity money market account, consider a share certificate. A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. You cannot withdraw your funds during the pre-selected length of the term without penalty, but you will most likely earn a higher rate than any of the above-mentioned options. Here are a few more reasons why you may want to invest in a share certificate:

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Guaranteed or fixed rate of return

There are no unknowns when you invest in a Share Certificate. You pick the deposit amount, the term and the rate. As long as you don't withdraw the funds, you'll be able to calculate your dividends upon maturity at the onset of your investment. No worries here!

Short- and long-term investing

With terms between 6 months and five years, you have a wide range of investment options. Before we introduced our new Shared Certificate features, members would determine their terms depending on how soon they thought rates might change. Now we offer a one-time rate bump if rates increase throughout the life of your term. Keep in mind, the longer the term, the higher the rate. Likewise, the shorter the term, the fewer dividends you earn.

Low initial opening deposit

You can open a share certificate with as little as $500! For higher deposit amounts, jumbo accounts are available and they generally earn a higher rate.

Special features

Our Shared Certificates are one of the most flexible out there. Withdraw as much as 50% of your total funds with no withdraw penalty. How does having your money available to you while earning high dividends sound?

Federally insured

Share certificates are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a US government agency, so you know your funds are safe and sound.


Check out our Share Certificate rates!

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