Make Your Money Soar with a Share Certificate

What is a Share Certificate?

A Share Certificate is an account that pays a certain dividend if held for a specific period or term. Funds are not "liquid," as a penalty is usually assessed if any portion of the principal is withdrawn before maturity. The certificate typically offers you a higher interest rate than a Money Market account or Regular Savings account. If you are looking for a safe place to park your money and earn a better interest rate, consider a TFCU Regular Share Certificate:
  • Terms from 6 months to 60 months
  • Minimum deposit of $1,000
  • Dividends are compounded and paid quarterly
  • Early withdrawal penalties apply and vary by the length of the investment

Other share certificate options include Jumbo Share certificate for larger investment amounts and Six-month Affordable and First Step Share certificate for those new to share certificate accounts.

Rates are subject to change without notice. Minimum deposit/balance and withdrawal restrictions apply. See account specific disclosure for details. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.


Share Certificate Rates (Last Modified: Nov 21, 2018)

TermMinimum DepositDividend RateAnnual Percentage Yield (APY)
12 Month First Step$25.00*.35%.35%
Six month Affordable$2501.05%1.06%
Six month Money Market$1,0001.15%1.15%
1-Year Share Certificate$1,0001.75%1.76%
1-Year Special Share Certificate (Limited Time/New Money)**$1,0002.67%2.70%
2-Year Share Certificate$1,0001.95%1.96%
3-Year Share Certificate$1,0002.15%2.17%
4-Year Share Certificate$1,0002.35%2.37%
5-Year Share Certificate$1,0002.75%2.78%

* Requires regular minimum monthly deposits of $25.00 until maturity date. ** This offer is for a limited time and can be withdrawn at any time without notice. Early withdrawal penalties apply and may reduce earnings on the account.