Share Certificates (often known as certificates of deposit, or CDs at banks), offer our members higher earnings than what is traditionally paid to a share (savings) account, and the comfort of knowing that their savings are Federally Insured up to $250,000.

How does a Share Certificate work?
When you place your money (minimum of $1,000), into a share certificate, you earn interest from the day the certificate is created to the end of the term you select. And certificates can be set to any term – from six months to five years.

When the certificate term ends, the funds can be placed back into your savings or checking account, rolled over into a new share certificate, sent out in a check to you, or even electronically transferred to another financial institution.

What is the interest rate on a Share Certificate?
Rates on new certificates change frequently, though the rate on your certificate stays fixed for whatever term you select. Currently, new share certificate rates are as follows (effective 11/18/2025):

TermAPRMin. Balance
6 months - 5 years1.10%$1,000
Special 8-month Certificate for Individuals3.25%$1,000
Special 8-Month Certificate for Churches3.50%$1,000

Are there any fees or penalties?
There are no setup or ongoing fees on share certificates. However, if you choose to redeem your certificate before the end of its term, there is a penalty up to 90 days interest.

How do I get a Share Certificate?
The process is easy – just use the link below, and one of our associates will contact you and get the entire certificate done in minutes – and without ever having to leave your home!

Please call us at (866) 657-0004 if you have any questions about our Share Certificates or need further details.

IMPORTANT:
All of our deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA). There is a 90-day penalty for early withdrawal. Rates on new certificates are subject to change and restrictions apply. APY is the Annual Percentage Yield.