Share Certificates

• 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.

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.