Share Certificates
Don’t know what to do with that extra money? Don’t let it just sit there! Why not earn higher dividends on a CD? Consider a share certificate and choose the term that’s right for your goals!
We also offer IRA Share Certificates
Fixed-rate accounts
$500 Minimum balance to open Share CD
$2,000.00 Minimum balance to open IRA CD
Share Certificates
| Term | Nominal Rate | APY** | Minimum Balance to Open and Earn Stated APY** |
|---|---|---|---|
| 3-Month | 0.25% | 0.25% | $500.00 |
| 6-Month | 0.50% | 0.50% | $500.00 |
| 1-Year | 1.50% | 1.50% | $500.00 |
| 2-Year | 2.00% | 2.00%* | $500.00 |
| 3-Year | 2.25% | 2.25% | $500.00 |
| 4-Year | 2.50% | 2.50% | $500.00 |
| 5-Year | 2.75% | 2.75% | $500.00 |
Share Certificates are fixed-rate accounts. Additional deposits are not allowed after opening. Early withdrawal penalties are equal to 90 days of dividends or a minimum of $25.00, whichever is greater. There is a 10-day grace period for renewal or withdrawal without penalty. Share Certificates closed within the 10-day grace period with receive no dividends.
*Rates on the 2-year Jump-Up Certificate can be changed once during the term.
Contact us for a printable savings rate sheet.
Cash withdrawals of over $20,000.00 require advance notice.
**APY means Annual Percentage Yield. Please refer to the Truth-in-Savings Disclosure and Fee Schedule for additional information. This Credit Union is federally insured by the National Credit Union Administration (NCUA).
Both the dividend rate and the annual percentage yield are subject to change each dividend period. Dividends are compounded and credited monthly.
IRA Certificates and Share Certificates are fixed with a specified maturity. Dividends are compounded and credited quarterly. The dividend rate remains the same throughout the term.
