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Share Certificate

A Share Certificate is a high-yield account with terms from six months to five years. Your funds are not accessible without a penalty. Low minimums are available. Interest rates vary according to the length of the term. Dividends earned on certificates may be transferred quarterly to your savings or checking account or added to your certificate balance.

Allows the member to earn higher dividends on larger account balances that are deposited for specific time periods.

Features Benefits
No feesAffordable
Minimum balance for certificates is $500Higher deposit, higher yield
Rate is fixed for term of certificatePeace of mind
Flexible terms – 6, 12, 18, 24, 36, 48, 60 month termsFlexible, convenient
Dividends are calculated based on average daily balance and are paid monthly; dividends are added to the balance, or when requested may be transferred to another account, also by checkEarns dividends
Higher dividend yield than share savings accountsEarns higher rate of return
Member is mailed maturity notice 30 days prior to maturity date; certificate automatically renews based on previous term at prevailing board rates; ten (10) day grace period for member change requestsConvenient
Early withdrawal allowed; results in a penalty equal to 90 days dividends for 6 and 12 month terms and 180 days dividends for 18, 24, 36, 48 and 60 month termsPeace of mind
Certificate funds may be used as loan collateralSecurity, saves money
Periodic statement, usually quarterly, monthly if any electronic or telephone services are utilized, such as iTalk or ACH
Account access in person, by mail, iTalk and Online BankingConvenient
Federally insured by NCUA for up to $250,000Peace of mind
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