Share Term Certificates

Commonly known as Certificates of Deposit or CDs, Share Term Certificates are fixed-rate, closed-end time deposits for saving money.

Share Term Certificate Features

  • Fixed-rate dividend
  • Closed-end term (6, 12, 18, 24, 30, 36, 48, 60-month terms)
  • Minimum Deposit of $250.00
  • No service charge
  • Can use as collateral on a Credit Union loan
  • No additional deposits can be added to the certificate
  • No partial withdrawals of principal are allowed
  • Dividends for all terms automatically transfers monthly to a deposit account
  • Penalties for early withdrawal include either 90 days of dividends or all the dividends earned, whichever is less.
  • Fourteen days prior to maturity, a notice is sent; you can cancel within a 7-day grace period after renewal.
  • If cancelled within the 7-day grace period, dividends will be paid from the renewal date to the cancellation date at the existing regular Share dividend rate.

Next Steps

Choose a way to request the Share Term Certificate that’s right for you.