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Share Certificates
Earn more on your savings. Set something aside today. Thank yourself later.
*Membership is required
What is a Share Certificate?
A Share Certificate is a secure savings option offered by credit unions that allows you to earn a fixed interest rate over a set period of time.
Share Certificate terms can range from a few months to several years. During this time, funds remain on deposit, and early withdrawals may result in a penalty. This structure is designed to encourage consistent, long-term savings while providing predictable returns.
Guaranteed Returns: Earn a fixed rate for a set term.
Flexible Terms: Choose a timeframe that fits your goals.
Insured: NCUA and ESI protection for added peace of mind. Up to $1,000,000
Our Highlighted Rates
Your Money. Your Future. Your Choice.
Let's get your money working for you. Make your choice to lock in a great rate today.
Share Certificates
6-Month Rates at
Share Certificates
12-Month Rates at
Share Certificates
60-Month Rates at
2.79%
2.89%
3.41%
APY*
APY*
APY*
Share and IRA Certificates
Rates Effective as of March 17th, 2026
Investment Term | Rate | APY | Compounds | Dividends Paid |
|---|---|---|---|---|
3 Month (Not Available for IRAs) | 0.70% | 0.70% | Daily | Monthly |
6 Month (Not Available for IRAs) | 2.75% | 2.79% | Daily | Monthly |
9 Month (Not Available for IRAs) | 2.75% | 2.79% | Daily | Monthly |
12 Month | 2.85% | 2.89% | Daily | Monthly |
18 Month | 2.85% | 2.89% | Daily | Monthly |
24 Month | 3.00% | 3.05% | Daily | Monthly |
30 Month | 3.00% | 3.05% | Daily | Monthly |
36 Month | 3.15% | 3.20% | Daily | Monthly |
48 Month | 3.25% | 3.30% | Daily | Monthly |
60 Month | 3.35% | 3.41% | Daily | Monthly |
*Annual Percentage Yield. APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Rates are fixed for the term of the Certificate. Early withdrawal penalties may reduce earnings. Penalty for withdrawal is 90 days of Dividends. Funds will be transferred to a designated member account at maturity if not a renewable certificate. All certificates are renewable at maturity, Minimum opening balance and to earn APY for all terms is $1,000.00.
Calculate Your Share Certificate Earnings
See how your savings can grow with a Share Certificate. Enter your deposit, rate, and term to estimate your earnings and discover the potential of steady, guaranteed growth.
