Earn higher dividends with zero risk.
Whether you’re saving for retirement, education expenses or a future purchase, a Share Certificate offers you higher dividends than a regular savings account, at a fixed rate for the term you select. Certificates are a guaranteed and insured investment alternative to higher risk investments in the stock market. Your funds are insured up to $250,000 through NCUA.
Select Your Term & Rate
Effective January 1, 2022| Term | Min Balance | Dividend Rate | APY* |
|---|---|---|---|
| 6-month | $500 | 0.15% | 0.150% |
| 12-month | $500 | 0.20% | 0.200% |
| 18-month | $500 | 0.25% | 0.250% |
| 24-month | $500 | 0.30% | 0.300% |
| 48-month | $500 | 0.50% | 0.501% |
| *APY=Annual Percentage Yield. Six-month Share Certificate dividends are compounded monthly; 12- to 48-month Share Certificates are compounded quarterly. | |||
Share Certificate & IRA Truth in Savings Disclosure
Certificate Fees
There is a substantial penalty for early withdrawal: 90 days of dividends for 6 and 12 month Certificates, and 180 days of dividends for 18, 24, and 48 month Certificates.
Effective January 1, 2022| Fee Type | Amount |
|---|---|
| Early Withdrawal for a maturity of 1 year or less | 90 Days Interest |
| Early Withdrawal for a Maturity of Greater than 1 year | 180 Days Interest |