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Secure Savings With Share Certificates

Looking for a safe and reliable way to grow your savings? Our share certificates offer competitive interest rates and fixed terms to help you reach your financial goals faster.

  • Guaranteed returns for the term of your certificate.
  • Flexible terms to match your specific saving goals.
  • NCUA insurance for peace of mind knowing your deposits are safe.
  • Early withdrawal options available in some cases. Avoid penalties by completing term.
  • Can be used as collateral for a loan.
  • Minimum Deposit: $1,000 returns
  • Terms as short as 3 months, up to 5 years

Benefits/Features

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Highlighted Share Certificate Rates

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What is the long-term impact of increased investment return?

It may surprise you how much more you could accumulate in savings simply by repositioning assets to achieve potentially a slightly higher return. Even one, two or three percent return over a short number of years can make a dramatic difference.

Savings

Assumptions

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Certificates*
Minimum Initial Deposit: $1,000
Account TypeAnnual Percentage YieldCompounding Period
$1,000 Minimum
12 Month Tax Deferred Certificates 4.001% At maturity
3 Month 3.900% Monthly
6 Month 4.001% Monthly
12 Month 4.001% Monthly
18 Month 3.500% Monthly
24 Month 3.250% Monthly
36 Month 3.250% Monthly
48 Month 3.250% Monthly
60 Month 3.250% Monthly

*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:

3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

Share Certificates Questions

Is there a penalty for an early withdrawal?
Is there a withdrawal period when the term is over?
What happens if I don’t withdraw the money during the withdrawal period?
What is a dividend?

Can my dividends be deposited into another account?
Can I change the term of my Share Certificate after opening?
Can I add money after it is opened?
Do I have to borrow the total amount that’s in my Share Certificate?

*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:

3 to 5 months: 30 days of dividends

6 to 11 months: 60 days of dividends

12 to 23 months: 90 days of dividends

24 to 47 months: 150 days of dividends

48 + months: 180 days of dividends

**Automatically renews to a 6 Month Certificate. This is a limited time offer and can be withdrawn at any time. The APY stated is accurate as of 9/7/2023. All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. APY assumes deposits and dividends paid are held to maturity. Penalties may be applied for early withdrawal. Fees could reduce actual earnings. Refer to Account Agreements and Disclosures for additional account information.

Information accurate as of March 5, 2024.

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