Time is money. Make the most of it.

They say there’s no such thing as a safe investment, but they’ve probably never heard of share certificates. That’s because with a share certificate, there’s no risk of losing your principal. Here’s why we think it’s a 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.

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 IRA rates to see how you can make time and money work in your favor.

Rates available here

*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 to 17-month terms, depending on selection made at account opening. Minimum balance of $500 required. Maximum deposit aggregate of $1,000,000 per member account number. Dividends calculated using the average daily balance method. This method applies a periodic rate to the average daily balance in the account each month. Dividends are credited monthly. Dividend rates 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 the 12-17-month certificate term selected at account opening upon maturity, earning applicable APY at that time. This offer, including the advertised rate and APY, is accurate effective 05/03/2023 and is subject to change or expire without notice. Federally insured by NCUA up to the maximum amount allowed by law.