Share Certificates

Plan savings goals around guaranteed earnings.

Peace of mind is a good thing. You get plenty of it with a share certificate as your savings grows at a fixed rate. Simply choose the term that suits you best between 6 months to 5 years. And if our rates happen to go up during your chosen term, you may be able to bump your rate up with our Rising Rate Option.

Benefits
  • Save at a fixed rate higher than regular savings
  • Higher rates for longer terms
  • Safe investment option with guaranteed returns
  • Dividends compounded and credited quarterly or monthly 
  • Wide range of terms (6 months to 5 years)
  • Renews automatically at end of term
  • No setup or maintenance fees
  • Free online banking
  • Early withdrawals subject to penalty
  • $500 minimum deposit for 12-month term

 

Enjoy extra savings with our Membership Benefits:

Increase your rates if you have:

  • Checking account +0.10%
  • Consumer loan +0.10%
  • Full direct deposit +0.10%
  • Mortgage +0.10%
  • SECU credit card +0.10%

 

Rising Rate Option

If our rates go up on our 48- or 60-month share certificates, you can increase your rate and APY once during the original term.

Certificate Builder

Share certificates offer a means to guaranteed savings, but if you don’t meet deposit minimums, Certificate Builder provides a great solution. Gain all the benefits while building your way to a bona fide certificate — easy with this transition account. Enjoy fixed rates higher than regular savings.

Simply set aside a minimum of $25 per pay period until you work your way up to $500. At $500, your account will automatically transition to a 12-month share certificate. Gain the guarantee of a certificate and the flexibility to make it happen with this innovative account.

  • Benefits of a share certificate, plus the ability to build up to the opening balance
  • Fixed rates for guaranteed returns*
  • Dividends are compounded and credited quarterly
  • Certificates available in $500 increments
  • Account is automatically converted to a 12-month share certificate when balance reaches $500
  • 12-month terms available for each certificate
  • Early withdrawals are subject to $10 fee per debit
    • More than 2 withdrawals before balance has reached $500 will result in account closure
    • Withdrawals or transfers from this account to another account are not permitted
  • $25 minimum deposit per pay period

*The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

*Early withdrawals may result in 90 to 270 days dividend penalties.

Enjoy greater peace of mind.