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Share Certificates

If you’re looking to make more money than the dividends from your standard savings account can provide, but want to avoid the risks of investment, a share certificate may be the savings solution for you. Your money stays exactly where you want it while earning the dividends you deserve.


  • Safe and secure short-term investment
  • Higher dividend yields than savings accounts 
  • 3 month to 60 month terms

Make your savings count. Choose the right certificate to fit your needs

Account Type


3 – 60 months

3 – 60 months

25 months

36 months

Opening Deposit





Minimum Monthly Deposit


Dividend Minimum Balance





Early Withdrawal Penalty

Catch-Up Contribution

Rate Increase Request

1 x during term


From IRA Certificates at other Financial Institutions

Digital Banking

*If the minimum monthly deposit is not maintained or a withdrawal is made, the rate changes to Share Savings rate. Withdrawal of dividends will not be permitted.

Terms and Conditions

1Minimum opening deposit of $10,000. Fees may reduce earnings. Penalty for early withdrawal.

2Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Early withdrawal penalties may apply. See Personal Account Agreement & Disclosure for Truth-In-Savings disclosure and early withdrawal penalties that may apply to Share/IRA/Saver Certificates.