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No risk, all reward. That’s a slam dunk scenario that our share certificates offer. Just lock in a rate and term for a guaranteed return.



Key Features

  • Guaranteed Returns
  • Competitive Earnings
  • No Setup or Maintenance Fees
  • Fixed rates, higher than standard savings
    • Dividends are compounded and credited quarterly
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • $500 minimum deposit to open
  • NCUA insured

View our current rates.

1Fees could reduce earnings.

There is a $500 minimum opening balance for an IRA share certificate. You must maintain a minimum average daily balance of $500 in your share certificate account to obtain the disclosed annual percentage yield.