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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 1.10% APY1 with some of the best rates in the nation,2 making it a great way to save for a goal. 




  • $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 




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Friday, 9 a.m. - 6 p.m.



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Today's Rates
Auto Loans (New)
as low as 2.44% APR
36-Month New Auto Loan
We offer a range of competitive rates and flexible terms to fit almost every financial situation. Get pre-approved and visit the dealer with your financing in hand.

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Auto Loans (Used)
as low as 2.44% APR
36-Month Used Auto Loan
Whether you’re buying used, or want to refinance a loan from another lender to lower your payment, we can help you find the right solution.

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Mortgage (30-Year)
as low as 2.88% APR
30-Year Fixed Mortgage (Conforming)
If you are primarily interested in a low payment that won’t ever increase, and plan on staying in your home at least five years, a 30-year fixed mortgage may be right for you.

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Credit Card
as low as 8.50% APR
Inspire MasterCard
As with all our credit cards, you'll enjoy our everyday low interest rates, and because we charge no annual, balance transfer, or cash advance fees, you'll save more than with other higher rate cards.

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Share Certificate
as high as 0.95% APY
Minimum opening deposit: $500
Rates among the best in the U.S. compared to bank CDs.

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