Share Certificates

Not every dollar needs to be on call. Share certificates are a great way to set aside funds you won’t need right away and let them grow on a predictable path.

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A Steady Way to Save. Designed with Your Future in Mind.

If you want to grow your money without the stress of high-risk investments, share certificates might be your financial happy place. With fixed terms, guaranteed returns and rates that often beat traditional savings accounts, they offer a refreshingly steady way to build your nest egg.

Here’s how share certificates complement your big-picture financial goals:

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Higher Earnings, Guaranteed

  • Competitive, Guaranteed Rates: Lock in higher dividend rates than traditional savings, with earnings that won’t fluctuate during your term.
  • Terms that Fit Your Timeline: Choose from a range of term lengths, short or long, so your savings are always aligned with your plans.
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Your Money: Stay Put and Grow, Federally Insured Safety

  • Earn More by Saving More: Higher balances and longer terms often come with higher rates, rewarding your commitment. There are exceptions like our Special Limited-Term 5-Month Share Certificate.
  • Smart Diversification: Use our share certificates to balance your portfolio with a low-risk, predictable savings option.
  • Federally Insured: Your money is protected and insured up to $250,000 by the NCUA, just like bank CDs are FDIC-insured.
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Sound Good So Far? It Gets Better.

  • It Doesn’t Take a Fortune: Nearly all of our share certificates open with a $500 minimum deposit. Exemptions include our 12-Month Save to Win Certificate with a minimum deposit of just $25 and, at times, limited-term specials with varying minimums and conditions to open.
  • Speaking of Specials: Check out our Special Limited-Term 5-Month Share Certificate with a high return without a lengthy commitment. Open with a $5,000 minimum deposit of new funds.

Turn Saving into Winning

Every $25 deposit into a Save to Win® Certificate earns you a chance at cash prizes, plus savings growth.

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For more information and disclosures about Share Certificate Accounts, please click the Personal Disclosures link at the bottom of this page.