Share certificates provide a stable savings option with a fixed rate of return.
Like Certificates of Deposit (CDs), share certificates offer fixed rates of return, which are typically higher than those of our Primary Savings accounts.
- Guaranteed returns locked in for 3 months up to 5 years
- Available for individuals, trusts, and Traditional and Roth IRAs
- Open with as little as $500; higher rates at $100,000 & $250,000
If you access your funds before maturity, you will incur an early withdrawal penalty that could range from 3 months to 12 months of dividends depending on the length of the share certificate. You can also borrow against the share certificate using a Secured Loan. To learn more, visit our Secured Loans page.