Share Certificates
Lock in guaranteed returns with our competitive certificate rates. The longer you save, the more you earn.
Current Certificate Rates
Rates effective as of 12/31/2025. Rates may change without notice.
Guaranteed Returns
Lock in your rate for the entire term with no market risk
Higher Rates
Earn more than regular savings with longer commitments
NCUA Insured
Your deposits are federally insured up to $250,000
Flexible Terms
Choose from 6 months to 5 years to match your goals
Specialty Certificates
Need more flexibility? These special certificates offer unique features to fit your needs.
Certificate Laddering Strategy
Maximize your returns while maintaining access to your money by building a certificate ladder. Here's how it works:
Divide Funds
Split your savings into equal portions
Open Certificates
Different terms: 1, 2, 3, 4, 5 years
Annual Maturity
One certificate matures each year
Reinvest
Roll into new 5-year certificate
Frequently Asked Questions
What happens when my certificate matures?
We'll notify you before maturity. You can withdraw funds, renew at current rates, or transfer to another account. If no action is taken, it auto-renews.
Can I withdraw early?
Early withdrawal is possible but incurs a penalty (typically 90-180 days of interest). Consider our No-Penalty Certificate if flexibility is important.
How is interest paid?
Interest compounds daily and can be credited monthly to another account, or compounded within the certificate until maturity.
What's the difference between CD and Share Certificate?
They're essentially the same! Credit unions call them Share Certificates, while banks use CD (Certificate of Deposit). Same benefits, different names.
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