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Share Certificates
as high as 2.75% APY

Share Certificates are similar to certificates of deposit. You'll typically earn higher dividends than a regular savings account with a variety of terms available from 91 days to five years. Open a share certificate today with as little as $500.

  • Develop a long- or short-term savings plan to meet your savings goals
  • Minimum to open a share is $500
  • Dividends compounded quarterly
  • All Share Certificates rates are based on the balance and terms of the certificate
  • Maintain your account via Online and Mobile Banking
  • Federally insured by NCUA

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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 11 Mos.* 2.20% 2.18%
Share Certificate 12 Mos. 1.80% 1.79%
Share Certificate 18 Mos. 2.00% 1.99%
Share Certificate 19 Mos.* 2.45% 2.43%
Share Certificate 24 Mos. 2.30% 2.28%
Share Certificate 25 Mos. 1.10% 1.10%
Share Certificate 36 Mos. 2.55% 2.53%
Share Certificate 48 Mos. 2.65% 2.62%
Share Certificate 60 Mos. 2.75% 2.72%
Share Certificate 91 Day Jumbo* 0.40% 0.40%
Share Certificate 6 Mo. Jumbo 1.05% 1.05%
Share Certificate 9 Mo. Jumbo 1.75% 1.74%
Share Certificate 12 Mo. Jumbo 2.00% 1.99%
See Other Rates

Share Certificates

$ 500 to open

Multiple terms available

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Add to My Account
Available in the Services tab

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 1.80 2.00 2.30 1.10 2.55 2.65 2.75

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Disclosures
An early withdrawal penalty will be imposed if Share Certificate funds other than credited dividends are withdrawn before the maturity date. A certificate may not be reduced below the required minimum balance.
  1. Share Certificates and HSA Certificates with terms of 24 months or less will forfeit 90 days of dividends whether earned or unearned.
  2. Share Certificates and HSA Certificates with terms greater than 24 months will forfeit 182 days of dividends whether earned or unearned.
  3. Jumbo Certificates will forfeit 7 days of dividends whether earned or unearned.
*11 Month, 19 Month, and 91 Day Certificate not available for IRA. Fees may reduce the earnings on some accounts. Annual Percentage Yield applies when the dividend is reinvested in the account. See Certificate Terms and Conditions. Rates are subject to change without notice. Federally insured by NCUA.