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“The Credit Union has something for everyone, from someone who is financially savvy to a person who just needs basic services.”


– Amy C.
Member Since 2010

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Share Certificates
Share Certificates

If you're looking for a way to maximize your savings, a Share Certificate may be the answer. Share Certificates (like Certificates of Deposit at banks) offer higher dividend rates than regular savings accounts, which means you earn more dividends than what a basic savings account offers. Earn up to 2.90% APY1 with some of the best rates in the nation,2 making it a great way to save for a goal. 

 

 

Features

  • $500 minimum opening deposit
  • Terms from 30 days to 60 months3
  • Dividend compounds daily4
  • Dividend payments paid monthly and at maturity 
  • A grace period of 10 calendar days where you may change the term, balance or make withdrawals without a penalty5
  • NCUA Insured
  • Competitive rates — among the best in the nation

 

Open a Share Certificate

Log in Log in and open a new share 

 

Call

 

Call 800.462.8328 
Monday through Thursday, 9 a.m. - 5 p.m.
Friday, 9 a.m. - 6 p.m.

 

Branch

Visit a SchoolsFirst FCU Branch

 

The minimum amount required to open a Share Certificate is $500. But you can also choose to start saving with a higher balance paired with a longer term to earn dividends at a higher rate. 

 

Compare opening balance and term options.

 

$500 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.50% 0.50%
03-05 Months 1.34% 1.35%
06-11 Months 1.93% 1.95%
12-17 Months 2.18% 2.20%
18-23 Months 2.42% 2.45%
24-35 Months 2.37% 2.40%
36-47 Months 2.42% 2.45%
48-59 Months 2.52% 2.55%
60 Months 2.71% 2.75%

 

$20,000 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.65% 0.65%
03-05 Months 1.39% 1.40%
06-11 Months 1.98% 2.00%
12-17 Months 2.23% 2.25%
18-23 Months 2.47% 2.50%
24-35 Months 2.42% 2.45%
36-47 Months 2.47% 2.50%
48-59 Months 2.57% 2.60%
60 Months 2.76% 2.80%

 

$50,000 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.75% 0.75%
03-05 Months 1.44% 1.45%
06-11 Months 2.03% 2.05%
12-17 Months 2.27% 2.30%
18-23 Months 2.52% 2.55%
24-35 Months 2.47% 2.50%
36-47 Months 2.52% 2.55%
48-59 Months 2.62% 2.65%
60 Months 2.81% 2.85%

 

$100,000 Minimum Opening Balance

Term Dividend Rate Annual Percentage Yield (APY)
30 Day 0.85% 0.85%
03-05 Months 1.49% 1.50%
06-11 Months 2.08% 2.10%
12-17 Months 2.32% 2.35%
18-23 Months 2.57% 2.60%
24-35 Months 2.52% 2.55%
36-47 Months 2.57% 2.60%
48-59 Months 2.66% 2.70%
60 Months 2.86% 2.90%

 

160-month term and minimum opening deposit and balance of $100,000 required to earn quoted APY.

2Informa Research Services, www.informars.com, has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

3Early withdrawal/account closure subject to penalty.

4Dividend are calculated and compounded daily from the date of deposit to the date of withdrawal using a 365-day year (366 days in a leap year).

5At maturity, account automatically renews for the same term as the previous term, at the rate in effect on the maturity date. At maturity and during the ten day grace period that begins on your maturity date, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends ten calendar days later.

 

Rates are accurate as of date, and subject to change daily. Penalty for early withdrawal. Fees may reduce earnings on the account.

 

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