Share certificates are similar to bank's Certificate of Deposit (CD). If you want a higher dividend rate and do not need immediate access to your funds, then share certificates are for you.

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place the funds in your account.

We offer certificates with terms of 6 months, 12 months, 18 months or 24 months.

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Certificate of Deposit
  • Credit Union Share Certificates are federally insured by NCUA up to $250,000.
  • The minimum balance to open a certificate account is $1,000.
  • Dividends compound daily and are credited to the account of your choice on the date of maturity.
  • Early withdrawal penalties may be imposed.

Share Certificate (CD) Rates

Dollar Amount 6 Months 12 Months 17 Months 24 Months
$1,000 – $10,000 4.0% 3.0% 5.0% 2.75%
$10,000+ 4.5% 3.5% 5.0% 2.75%

APY is the Annual Percentage Yield. The Annual Percentage Yield (APY) is accurate as of March 2023. Dividends on your savings are calculated daily, paid quarterly, and are shown on your quarterly statement. Fees could reduce earnings on the account. Rates may change after the account is opened. For more current rates please contact the credit union.