Share Certificates
Share Certificates
If you're looking for higher interest rates and peace of mind, a Share Certificate is the way to go. By agreeing to let your money sit for a certain period of time, you’ll earn more money than a savings account without the risk that comes with stock investments.
- Minimum deposit of $1,000
- Terms as short as 3 months, up to 5 years
- Avoid penalties by completing your term
- The longer it sits, the bigger the reward
- Can be used as collateral for a loan
Certificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 2.90% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 2.40% | Monthly |
| 6 Month | 2.50% | Monthly |
| 9 Month** | 4.25% | Monthly |
| 12 Month | 2.90% | Monthly |
| 18 Month | 3.15% | Monthly |
| 24 Month | 2.90% | Monthly |
| 36 Month | 2.90% | Monthly |
| 48 Month | 3.00% | Monthly |
| 60 Month | 3.15% | 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.
**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 This is a limited time offer and can be withdrawn at any time.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 11/1/2024. 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 December 1st, 2024.
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Learn MoreCertificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 2.90% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 2.40% | Monthly |
| 6 Month | 2.50% | Monthly |
| 9 Month** | 4.25% | Monthly |
| 12 Month | 2.90% | Monthly |
| 18 Month | 3.15% | Monthly |
| 24 Month | 2.90% | Monthly |
| 36 Month | 2.90% | Monthly |
| 48 Month | 3.00% | Monthly |
| 60 Month | 3.15% | 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.
**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 11/1/2024. 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 December 1st, 2024.
Frequently Asked Questions
-
Is there a penalty for an early withdrawal?
Yes, if you make a withdrawal from your certificate before the maturity date (end date), a penalty will be charged – the penalty is based on the term.
-
Is there a withdrawal period when the term is over?
There is a 10 calendar day grace period from the date of maturity.
-
What happens if I don’t withdraw the money during the withdrawal period?
Certificates automatically roll into a new certificate of the same term at the current Annual Percentage Yield (APY) unless otherwise disclosed or the member makes changes to the Share Certificate.
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What is a dividend?
A dividend is money earned based on the money deposited and the current APY.
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Can my dividends be deposited into another account?
Yes, you are able to deposit dividends to an account within the same membership.
-
Can I change the term of my Share Certificate after opening?
Yes, there is a 10-business day grace period from the open date or date of maturity in which the term can be changed.
-
Can I add money after it is opened?
Yes, there is a 10-business day grace period from the open date or date of maturity in which additional money can be added.
See our Terms and Conditions