Share Certificates
A healthy investment choice for the committed investor.
Our Share Certificates are time commitment deposits.
By committing your funds for a specific period of time, you get a higher fixed dividend (or interest rate) than you would with a regular savings account.
Lock in a great rate and guaranteed savings with 6-, 12-, 24-, 36- and 60-month Certificates that grow your balances over time.
To see current rates on our Certificates, check out the rate schedule.
- Invest for 6, 12, 24, 36, or 60 months
- $1,000 minimum deposit
- Guaranteed interest rates
- Insured up to $250,000 by NCUA
If you are a socially responsible investor (SRI), Jumbo Certificates are also available with a $95,000 minimum deposit. You can also purchase high-impact Certificates at below-market rates to help us extend economic opportunities to more low-wealth families.
Wealth Building Account Comparison Chart
| Savings Account | Club Account | Individual Retirement Account | Share Certificates | Money Market Accounts | |
|---|---|---|---|---|---|
| Opening Balance Requirement | $15 | $10 | Share Certificate – $500 IRA – $25 | $1,000 | $1,000 |
| Minimum Balance | $15 | $0 | $0 | N/A | $1,000 |
| Monthly Fee | $0 | $0 | $0 | $0 | $9.95 (Waived with $1,000 Minimum Balance) |
| Electronic Transactions | ✓ | ✓ | ✓ | ||
| Paper Checks | ✓ | ||||
| Transactions | Teller Withdrawal – 3/month ATM Withdrawal – 3/month | Funds Disbursed 10/31 Each Year ($10 Fee for Early Disbursement) | Penalty for Early Withdrawal | Penalty for Early Withdrawal | 6 per Month (Fee for Overage) |
| Free HOPENet Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPE Mobile Banking1 | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free E-Statements | ✓ | ✓ | ✓ | ✓ | ✓ |
| Automatic Transfers and/or Drafts | ✓ | ✓ | ✓ | ||
| Free HOPEAnytime ATM Card | ✓ | ||||
| Free Direct Deposit | ✓ | ✓ | ✓ | ||
| Federally Backed Security | ✓ | ✓ | ✓ | ✓ | ✓ |
| Shared Branching Network Access | ✓ | ✓ | ✓ | ||
| More> | More> | More> | More> | More> |
Share Certificates5,6 (CDs) ($1,000 Minimum) |
Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Jumbo APR | Jumbo APY |
|---|---|---|---|---|
6-Month |
0.75% | 0.753% | 0.75% | 0.753% |
12-Month |
2.750% | 2.788% | 3.530% | 3.593% |
24-Month |
2.166% | 2.190% | 3.610% | 3.676% |
36-Month |
2.208% | 2.232% | 3.680% | 3.748% |
60-Month |
2.310% | 2.337% | 3.850% | 3.925% |
Transformational Deposits (Not available on 6-month term.) |
0.25% | 0.25% | ||
Jumbo Transformational Deposits6 (Available on deposits of $5,000,000 or more.) |
0.35% | 0.35% |
Share Certificates5,6 (CDs) ($1,000 Minimum) |
|
|---|---|
| Annual Percentage Rate (APR) | |
6-Month |
0.75% |
12-Month |
2.750% |
24-Month |
2.166% |
36-Month |
2.208% |
60-Month |
2.310% |
Transformational Deposits (Not available on 6-month term.) |
0.25% |
Jumbo Transformational Deposits6 (Available on deposits of $5,000,000 or more.) |
|
| Annual Percentage Yield (APY) | |
6-Month |
0.753% |
12-Month |
2.788% |
24-Month |
2.190% |
36-Month |
2.232% |
60-Month |
2.337% |
Transformational Deposits (Not available on 6-month term.) |
0.25% |
Jumbo Transformational Deposits6 (Available on deposits of $5,000,000 or more.) |
|
| Jumbo APR | |
6-Month |
0.75% |
12-Month |
3.530% |
24-Month |
3.610% |
36-Month |
3.680% |
60-Month |
3.850% |
Transformational Deposits (Not available on 6-month term.) |
|
Jumbo Transformational Deposits6 (Available on deposits of $5,000,000 or more.) |
0.35% |
| Jumbo APY | |
6-Month |
0.753% |
12-Month |
3.593% |
24-Month |
3.676% |
36-Month |
3.748% |
60-Month |
3.925% |
Transformational Deposits (Not available on 6-month term.) |
|
Jumbo Transformational Deposits6 (Available on deposits of $5,000,000 or more.) |
0.35% |
5Early withdrawal penalties apply to all certificate and IRA accounts.
6Standard jumbo rates are available on deposits of $95,000 or more. Jumbo rates for Transformational Deposits of $5,000,000 or more.
Contact Us
If you have questions or need additional information about a share certificate, send a note to your closest branch.