Share Certificates

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Have your money work for you!

Share certificates earn higher dividends than our regular share savings account by maintaining your funds on deposit for a specified time.

Share Certificates

  • 6 to 60-month certificates available
  • Dividends accrue from day of deposit and are posted monthly
  • Jumbo Share Certificates available*
  • Share Certificates can also be set up as Individual Retirement Account (IRA) Certificates
  • Your deposits are federally insured up to $250,000 per individual and up to $250,000 for IRA accounts by the National Credit Union Administration (NCUA)

Contact us to open a Share Certificate today!

View our current share rates or see the current rates below

*Jumbo Share Certificates require a minimum deposit of $100,000.00.

Share Certificates

* Annual Percentage Yield (APY) is accurate as of March 01, 2024, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of March 01, 2024, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo Share Certificates

*APY – Annual Percentage Yield is accurate as of March 01, 2024. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of March 01, 2024, and is subject to change at any time.

EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date. See our Truth in Savings disclosure for details.

Amount of Penalty – For Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months = 3 months’ dividends

Terms of 1 year = 6 months’ dividends

Terms of 2 years = 1 years’ dividends

Terms of 3 years or longer = 2 years’ dividends

Share Certificates

* Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo Share Certificates

*APY – Annual Percentage Yield is accurate as of June 01, 2023. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of June 01, 2023 and is subject to change at any time.

EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date. See our Truth in Savings disclosure for details.

Amount of Penalty – For Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months = 3 months’ dividends

Terms of 1 year = 6 months’ dividends

Terms of 2 years = 1 years’ dividends

Terms of 3 years or longer = 2 years’ dividends

Share Certificates

* Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of June 01, 2023, and is subject to change at any time. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo Share Certificates

*APY – Annual Percentage Yield is accurate as of June 01, 2023. All rates subject to change without notice. Early Redemption Penalties: Penalties are imposed for early redemption of certificates. See our Truth in Savings disclosure for details.

Jumbo IRA Share Certificates

*Annual Percentage Yield (APY) is accurate as of June 01, 2023 and is subject to change at any time.

EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date. See our Truth in Savings disclosure for details.

Amount of Penalty – For Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 6 months = 3 months’ dividends

Terms of 1 year = 6 months’ dividends

Terms of 2 years = 1 years’ dividends

Terms of 3 years or longer = 2 years’ dividends

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