A Share Certificate is a savings certificate available through credit unions that entitles the bearer to receive interest. Banks have a similar product called a Certificate of Deposit, or CD. A Share Certificate bears a maturity date, a specified fixed interest rate and can be issued in any denomination over the minimum required deposit.

When you open a Share Certificate, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, your funds earn more than they would in a regular savings account. If a Share Certificate is cashed in before its maturity date, a penalty is applied. Find out current rates.

Interest rates on Share Certificates vary and are based on its term and opening balance. For more information and current rates, visit our Certificates page.