Share Certificates that Make Sense.

Share Certificates that Make Sense.

Whether you're looking to save money for your short-term or long-term goals. Choose a Share Certificate with the term that fits your timetable and earn some of our highest rates. A Share Certificate provides steady, guaranteed growth for your regular savings or your IRA.

30 Month Share Certificate Special²

  • Earn 3.50% APY*
  • $1000 Minimum Balance³

8 Month Share Certificate Special¹

  • Earn 3.75% APY*
  • $1000 Minimum Balance³

Short-Term Share Certificates

TermAPY*
30 Day0.05%
3 Month0.15%
6 Month0.30%
12 Month0.40%

Long-Term Share Certificates

TermAPY*
18 Month0.50%
24 Month0.50%
36 Month0.50%
48 Month0.50%
60 Month0.50%

Always consult your tax advisor for any questions.

Frequently Asked Questions

Share Certificates are fixed-term savings instruments that let you earn a guaranteed interest rate over a specified period of time. They often offer higher yields than standard savings accounts.

A Share Certificate is the credit union equivalent of a Certificate of Deposit (CD).

Yes. Share Certificates are insured by the National Credit Union Administration (NCUA) up to applicable limits, offering strong protection for your savings.

No. Share Certificates usually do not allow additional deposits after the account is opened.

No. Once your certificate is opened and funded, the interest rate (APY) is fixed for the life of the term.

Dividends from Share Certificates are typically credited monthly or at the end of the term, depending on the product terms.

At maturity, the certificate stops earning its fixed rate. You typically have a grace period to withdraw funds, add to the certificate, or renew it at a new rate.

Longer terms generally offer higher interest rates, helping you earn more over time if you don’t need immediate access to the funds.

*APY = Annual Percentage Yield
1. Offer is available for funds in existing shares. Not available with IRA.
2. Offer is available for funds in existing shares. Available with IRA.
3. Minimum balance to open is $1,000.00. The stated APY assumes that the dividends will remain on deposit until maturity. Rate is subject to change at any time. A penalty for early withdrawal may apply. This offer can be withdrawn at any time.

Rates Effective April 10th, 2026