Share Certificate Rates^
Rates effective November 16, 2022
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 2.45% | 2.47% |
| 3 Months ($250K +) | 3.05% | 3.09% |
| 6 Months | 3.05% | 3.09% |
| 12 MONTHS SPECIAL | 3.50% | 3.55% |
| 18 MONTHS SPECIAL | 3.75% | 3.80% |
| 24 MONTHS SPECIAL | 4.00% | 4.06% |
| 30 Months | 3.25% | 3.29% |
| 36 Months | 3.35% | 3.39% |
| 48 Months | 3.60% | 3.65% |
| 60 Months | 3.75% | 3.80% |
Youth Certificate Rates^^
Introduction to long-term savings!
Watch their savings grow. Guaranteed Returns. You read that right, guaranteed! Once you lock in your rate it won’t change. Share certificates are a type of credit union savings account similar to CDs, offered at banks. They usually offer higher yields than regular savings accounts; in exchange, you leave your money in the account for a specified amount of time.
Benefits and Features
- Available to members ages 17 & younger
- Minimum deposit of $50
- Maximum amount of $5,000
- Terms available are 3, 6, and 12 month terms
- Will add 0.10% APY* to our existing rates for our 3, 6, and 12 month terms.
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Months | 2.55% | 2.57% |
| 6 Months | 3.15% | 3.19% |
| 12 Months | 3.60% | 3.65% |
* Annual Percentage Yield (APY); based on a $1,000 example and assumes dividends remain in account until maturity.
^ Share Certificate: $500 minimum balance required. Your Term Share Certificate account will automatically renew for a term equal to the original at the prevailing rate at the time of renewal.
^^ Youth Share Certificate: $50 minimum balance required. Maximum of $5,000. Must be of the age 17 and under. When you have reached Your 18th birthday and upon expiration of Your Share Certificate, Your Account will be closed and Your entire balance transferred to a Share Certificate Account, subject to the terms and conditions of such Account.
The dividend rate for all Term Share Certificates is fixed for the term of the account. Dividends are compounded and paid quarterly. Substantial penalty for early withdrawal. For additional disclosures, see the “Membership and Account Agreement and Disclosures” brochure. Please call (765) 771-8000 for more information.
