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Lock in higher returns.
Grow your savings with ease
Choose a Share Certificate that fits your timeline and earn more than a savings account. With flexible terms and guaranteed rates, your money works harder.
Federally insured by the NCUA (National Credit Union Administration) up to $250,000
A Share Certificate is a fixed-term savings account offered by credit unions.
It works much like a Certificate of Deposit (CD) at a bank. When you open a Share Certificate, you agree to keep your money deposited for a set period of time, called the term, and in return, you earn a guaranteed interest rate. Share Certificates are a safe way to grow your savings because they are federally insured by the National Credit Union Administration (NCUA), protecting your funds up to $250,000.
To open a Share Certificate with us, you simply need to become a member of our credit union. With a minimum deposit of only $5,000, you can start earning competitive, guaranteed interest rates right away. Don’t wait—secure your savings and enjoy all the exclusive benefits of membership today!
Make your savings work harder — with features for security and growth.
Guaranteed Returns
Lock in a fixed rate and earn more over time — especially on longer terms.
No Monthly Fees
Grow your savings with zero maintenance or surprise monthly charges.
Multiple Term Options
Pick a term that fits your needs — from short commitments to long goals.
Compare current rates before you decide
Check our latest savings and certificate rates to see what works best for you.
What is a Certificate of Deposit (CD)?
A CD is a savings product that allows you to deposit money for a fixed period of time at a fixed interest rate. In return, you earn interest on your deposit.
How does a CD work?
When you open a CD, you agree to leave your money in the account for a set term, such as 6 months, 1 year, or 5 years. Withdrawing funds before the maturity date may result in penalties.
What are the benefits of a CD?
- Guaranteed interest rate for the term
- Safe investment with low risk
- Helps with long-term savings goals
Are there any penalties for early withdrawal?
Yes. Withdrawing money from a CD before the maturity date may result in an early withdrawal penalty, which can reduce the interest earned or even part of your principal.
What happens when my CD matures?
When your CD reaches maturity, you can:
- Withdraw the funds, including earned interest
- Renew or roll over the CD for another term
- Transfer the funds to another account
There is also a 7-calendar-day grace period after maturity, during which you can make changes to your CD without penalties.
Can I add or withdraw money after opening my CD?
Yes! You have 7 calendar days after opening your CD to add money, make withdrawals, or even close the CD without any penalties.
Got questions?
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Whether you're opening your first account or exploring your credit options — our team is just a message away.
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