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Share Certificates
as high as 2.61% APY

Share Certificates are similar to Certificates of Deposit. Enjoy good dividends in long term savings plans. Ask us about which certificate is right for you, or open online today.

  • Develop a long term savings plan to meet your savings goals
  • All Share Certificates rates are based on the balance and terms of the certificate


Type/Term APY Dividend Rate
Share Certificate 91 Days* 0.50% 0.50%
Share Certificate 182 Days 1.00% 1.00%
Share Certificate 5 Mos. 0.40% 0.40%
Share Certificate 12 Mos. 1.70% 1.69%
Share Certificate 18 Mos. 1.90% 1.89%
Share Certificate 19 Mos.* 2.40% 2.38%
Share Certificate 24 Mos. 2.00% 1.99%
Share Certificate 25 Mos. 1.10% 1.10%
Share Certificate 36 Mos. 2.20% 2.18%
Share Certificate 48 Mos. 2.40% 2.38%
Share Certificate 60 Mos. 2.61% 2.58%
Share Certificate 91 Day Jumbo* 0.40% 0.40%
Share Certificate 6 Mo. Jumbo 1.05% 1.05%
Share Certificate 9 Mo. Jumbo 1.35% 01.34%
Share Certificate 12 Mo. Jumbo 1.75% 1.74%
See Other Rates

Share Certificates

$ 500 to open

Multiple terms available

Login to Open Account
Available in the Services tab

Contact Us to Open

Terms from 91 days to 60 months
Dividends compounded quarterly
Minimum to open a share is $500
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Share Certificate Calculator

0.40 1.70 1.90 2.00 1.10 2.20 2.40 2.61

Early withdrawal on certificates 91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned. Early withdrawal on certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn. A certificate may not be reduced below the required minimum balance.
* 19 Month and 91 Day Certificate not available for IRA.
1. $2,000 minimum to open. 2% Annual Percentage Yield (APY) for 24 months. You may take advantage of a one-time bump option at the 5-year rate. Call or come in to activate your option.
Fees may reduce the earnings on some accounts. Annual Percentage Yield applies when the dividend is reinvested in the account.
See Rate and Fee Schedule.
Rates are subject to change without notice.
Federally insured by NCUA.