Share Certificate

Share Certificate

  • Summary
  • Benefits
  • Resources

Open a share certificate with a minimum balance of USD 500 to earn a fixed dividend rate that is typically higher than a savings or  checking account. To earn the full dividend, you are required to keep your funds in the account for the term of your contract. We offer flexible contract periods ranging from 3 to 60 months so you can select the time period best suited to your needs.

If you are unsure when you will need to withdraw your money, you may want to consider a share certificate with a relatively short time period or, alternatively, a  Money Market Account (MMA). Keep in mind that unlike a MMA, your dividend rate will remain fixed for the entire term of your contract.

A share certificate earns a fixed dividend rate for the term of your contract. We offer flexible options for how you can invest your dividend earnings, which are credited to you on a monthly basis:
  • Direct deposit your dividend earnings to your savings or checking account, OR
  • Accrue your dividend earnings in the share certificate for an even higher yield
The funds in your certificate are insured by the National Credit Union Share Insurance Fund (NCUSIF), an agency of the US government.  
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Share Certificate
(36 Month) Account


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