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A Share Certificate is a time based savings account.  The term "Certificate of Deposit" or "CD" is often applied to it.  This type of account guarantees a specific dividend rate for a specific term such as 6 months, 12 months, or even as long as 5 years. Because of this and early withdrawal fees the dividends earned on Share Certificates are much higher than that of a Regular Share Savings.

Features...

  • Dividends post monthly which can increases compound interest earnings.
  • Automatic renewal.
  • Insured by the National Credit Union Administration.