Share Certificate

For a Limited time!

Open a NEW 2-Year Share Certificate with a minimum of $5,000 in New Money and earn a higher rate!* The more you deposit the more you earn.

(Includes 2-Year Changeable/Bump Up, IRA and Business Share Certificates.) 

Share Certificate Promotional Rates Tier

View Rates


A guaranteed investment that puts you in control. With as little as $500, a Share Certificate can guarantee a return on your money and lets you choose the term.  

  • Open your account with as little as $500
  • Choose terms from 3 months to 5 years - the longer the term, the higher the payout
  • Earn monthly dividends
  • Save time with automatic renewal
  • Use you Share Certificate as collateral for a secured loan

Share Certificates for your Specific Needs

Dream Builder Share Certificate**

Save gradually and guarantee your investment. 

  • Start with an initial deposit as little as $5
  • Choose your term from 1 year to 3 years
  • Schedule contributions that you’re comfortable with
2-Year Changeable

Concerened about locking in your rate? Get a 2-Year Changeable Share Certificate.

  • Minimum $2,500 deposit
  • Available for a 2 year term
  • Bump up your rate one time during the 2 year term

View Rates

*APY = Annual Percentage Yield. APY is effective as of August 15, 2018 on new money share certificate accounts and is subject to change. $5,000 minimum certificate daily balance in new money required to earn promotional rate up to 2.78% APY. A penalty will be imposed for early withdrawal. For Bump Up/Changeable Share Certificates:(Rate may be changed one time during the term to the existing rate at member’s written request. Fees could reduce earnings. Unless you indicate otherwise, the bump up/changeable certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect.) Visit a branch for complete details.

**Dream Builders Share Certificate require monthly deposits or periodic payments and are not available for Business Accounts.

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