Share Certificates

Time is money. Make yours go further with our limited time new money offer: 4.50% APY* 12-Month Share Certificate Special!

Introduction

Whether you're someone interested in earning a nice bonus to help fund your summer '27 vacation, or a savvy business owner looking to maximize your organization’s growth come this time next year – our 12-Month Share Certificate Special is just the tool for you.

With only a $500 minimum deposit, this new-money-only special will lock you into an excellent 4.50% APY* rate for an entire year’s worth of savings and dividend build-up. It can even be taken out as an IRA!

This offer is only available until June 30th, so don't wait! Open yours today by visiting your local branch or calling 800.242.2120. Consumer members can even open the certificate online!

IRA option available in-person at a branch location only.

About Share Certificates

Whoever said "there's no such thing as a safe investment" has probably never heard of share certificates before. From those green to investing, to those with a built-out portfolio – here’s why we think share certificates are the smart money move.

Like any savings account, you’ll earn dividends on a share certificate. The difference, though, is that your rate of return is based on your term length – in general, the longer your term, the higher your rate. It’s our way of saying “thank you” for your time commitment, but it also means that you can select a term that works best for you. 

Plus, with a share certificate, there’s no risk of losing your principal and at Visions your funds are federally insured up to $250,000 by NCUA share insurance! 

Thinking short-term? No problem. How about years down the road? You’re covered. Whatever your savings needs, there’s a share certificate designed for you. Check out our rates to see how you can make time and money work in your favor:

Whatever your savings needs, there’s a share certificate designed for you. Check out our rates to see how you can make time and money work in your favor:

Choose Your Terms

From as short as 3-Month Share Certificates to as long as a 60-Month Share Certificate, our members can enjoy flexible terms with excellent rates. Members as young as age 13 can even take advantage of a 12-month term with our Youth Share Certificate.

Once you’ve decided which terms are right for you, simply open your share certificate in one of our local branches, over the phone at 800.242.2120, or in digital banking – whichever is most convenient. 

Not a member yet? Learn about membership or open an account:

Plan Your Deposits

If you have a nest egg or lump sum you’re looking to set aside in a certificate, perhaps you don’t need to make additional deposits after it's opened. That’s great – pick any of our terms that suit your financial goals! 

Otherwise, we have four share certificates that can accept deposits after the account is opened:

3-5-Month Share Certificates
Budgeting for short-term goals? Set up recurring deposits from your payroll to a short-term certificate with a good rate and you’ll be on your way! 

42-Month Variable Share Certificates
Enjoy a variable rate, a longer term, and the option to make additional deposits. You’ll notice how savings can really add up over three and a half years, especially when those savings are earning quality dividends.

Lucky Savers*
You know what sounds better than saving more money? The chance to win cash prizes, too! This certificate features a 12-month term, minimum initial deposit of just $25, and opportunities to win monthly and quarterly prizes up to $5,000 when you make qualifying deposits of $25 or more. *Click here for details about Lucky Savers.

Youth Share Certificates
With a minimum initial deposit of $25 and a joint owner on the certificate, our Youth Share Certificate allows members ages 13-17 to earn dividends with a 12-month term at a great rate. It's an exciting opportunity, exclusively for this age group, to learn the benefits of saving more – and earning more!

Disclaimer

*APY = Annual Percentage Yield. Credit union membership of $1 is required – certain restrictions apply. Speak with a representative for membership eligibility details. APY assumes principal and dividends remain on deposit for the term of the certificate. 12-month term only. Minimum balance of $500 required for new certificate; 100% new money deposit required to qualify for promotion. New money defined as money not previously on deposit at Visions Federal Credit Union prior to certificate opening. Dividends calculated using the daily balance method, applying a daily periodic rate to the ending balance each day. Dividends are compounded daily and credited monthly. Dividends are based on credit union earnings at the end of the dividend period and cannot be guaranteed. Dividends earned on balances of $500 and greater. Fees may reduce earnings on account. Early withdrawal penalties may apply. Unless otherwise instructed, product changes to a 12-17-month certificate term upon maturity, earning applicable APY at that time. Business and consumer openings available in person or over the phone; online account opening and online funding available to consumer members only. This offer, including the advertised rate and APY, is accurate effective 4/29/2026 and is subject to change or expire without notice, no later than 6/30/2026. Federally insured by NCUA.