Guaranteed Returns
Share Certificates
Lock in a guaranteed rate and watch your money grow. Share Certificates (equivalent to CDs) offer our highest fixed yields with zero market risk.
Best available APY
5.25%
12-month term
Minimum deposit
$500
To open any certificate
Terms available
3 – 60 mo.
6 options to choose from
Rate type
Fixed
Guaranteed for full term
Current Certificate Rates
3 Months
4.80%
APY
Min. $500
6 Months
5.00%
APY
Min. $500
Best Rate
12 Months
5.25%
APY
Min. $1,000
24 Months
5.10%
APY
Min. $1,000
36 Months
4.95%
APY
Min. $1,000
60 Months
4.75%
APY
Min. $2,500
Full Rate Table
| Term | APY | Min. Deposit | Interest Paid | Early Withdrawal Penalty |
|---|---|---|---|---|
| 3 Months | 4.80% | $500 | At maturity | 90 days’ dividends |
| 6 Months | 5.00% | $500 | At maturity | 90 days’ dividends |
| 12 Months ★ | 5.25% | $1,000 | Monthly or at maturity | 180 days’ dividends |
| 24 Months | 5.10% | $1,000 | Monthly or at maturity | 180 days’ dividends |
| 36 Months | 4.95% | $1,000 | Monthly or at maturity | 180 days’ dividends |
| 60 Months | 4.75% | $2,500 | Monthly or at maturity | 180 days’ dividends |
How Share Certificates Work
- Choose a term and deposit amount. Your rate is locked in immediately at the current advertised APY.
- Interest accrues daily and is compounded monthly for the entire duration of your certificate term.
- Receive interest payments monthly (optional) or reinvest them to compound your growth at maturity.
- At maturity, a 10-day grace period begins. You may renew, transfer funds, add to the balance, or withdraw penalty-free.
- If no action is taken within the grace period, the certificate automatically renews at the then-current rate for the same term.
Key Benefits
- ✓ Guaranteed fixed rate — your yield is protected regardless of market changes
- ✓ Higher returns than standard savings accounts for committed funds
- ✓ NCUA insured up to $250,000 — complete principal protection
- ✓ Option to receive monthly interest directly to your checking account
- ✓ Add-on Certificates allow additional deposits during the term (select products)
- ✓ Ladder strategy: spread funds across multiple terms for ongoing liquidity
- ✓ IRA-eligible — open a certificate within your Individual Retirement Account
Early Withdrawal: Withdrawing funds before maturity incurs a penalty of 90 days’ dividends (terms under 12 months) or 180 days’ dividends (terms 12 months or longer). Early withdrawal penalties do not apply in the event of account holder death or qualifying total disability. APY accurate as of June 2026, subject to change before account opening.
Open a Share Certificate
