Share Certificates

Hide your savings from yourself and watch it grow.
  • Maximize your savings 
  • Choose how long your money is deposited  
  • Save for the short-term, college expenses or retirement
  • Deposit $50 or $1,000 to start, depending on account

Treat your money well and it will return the favor when you lock in our Share Certificate savings rates.

Saving for something special? Let us help you reach your goal sooner with a Share Certificate. Earn dividends at a higher rate than a typical account. The larger your balance, the more you could earn.

Non-Traditional Share Certificates

Flex your savings muscle 

  • The Non-Traditional Share Certificates1 grow your money over a shorter term when you start with a $1,000 minimum opening deposit
  • The Generator2 option lets you start building your savings with a $50 minimum deposit that increases over your selected term - 12, 24 or 36 months - with unlimited deposits 
  • Choose the Bump It Up Share Certificate3 if you want to take advantage of a higher interest rate during your term, with a term of 24, 36 or 48 months and a $1,000 minimum deposit 
  • If you're just starting out, you can open an account with as little as $50

Fixed-Rate Share Certificates

Basic doesn't mean boring

  • $1,000 minimum deposit required to open this account
  • Choose a term from six months to seven years
  • The unchanging rate delivers consistent returns over the certificate's full term

Traditional, Educational and Roth IRA Fixed-Rate Certificates

Add a deeper shade of gold to your retirement years

  • With Traditional IRA Certificates, you won't pay taxes on earnings until you withdraw money
  • Roth IRA Certificates allow deposits and earnings to grow tax-free
  • Open an Educational Certificate (Coverdell Education Savings Account) to save specifically for education-related expenses 
  • Consult your tax advisor for specific details about tax advantages and account requirements
  • These various certificates are structured to deliver growth when you plant a minimum $1,000 deposit

Jumbo Share Certificates

When you want to go big, choose this account

  • $10,000 minimum deposit required to open this account
  • Choose a term ranging from six months to five years
  • Your dividend rate never changes over the term, delivering consistent yields
  • Start with a minimum $10,000 deposit and watch it flourish over the course of six months, five years or somewhere in between

Jumbo Traditional, Educational and Roth IRA Fixed-Rate Certificates

Make major plans for the future

  • $10,000 minimum deposit required to open this account
  • Choose a term ranging from six months to five years
  • Your dividend rate never changes over the term, delivering consistent yields
  • Save for retirement or education-related expenses 

Love My Credit Union® Rewards

Sharing the wealth with special rewards.

Loyal credit union members enjoy more.