Are you looking for a low-risk investment with a high rate of return? Increase your long-term savings with certainty and peace of mind.
Calculate how much you can earn
See how much in dividends you can earn in 17 months. Simply put your deposit amount in the calculator below.
Two options to open your certificate
Quickly open a certificate online. Make sure to have your social security number and ID ready.
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Get your savings plan rolling with these tips and services.
This quick interactive module helps you learn about the benefits, potential risks, and the decision-making process for opening a certificate.
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A share certificate is a federally insured savings account with a fixed dividend rate and a fixed date of maturity. The dividend rates of these accounts tend to be higher than those on savings accounts. You have less flexibility in exchange for a higher rate.
A typical certificate will not allow you to add any money after you’ve made your initial deposit. You also won’t be able to withdraw your funds before the maturity date without paying a penalty.
While keeping your savings in a certificate can be an excellent option for your money, it is not for everyone. Before you move forward with opening a certificate, be sure you won’t need to access the funds before the certificate’s maturity date. It’s best to have a separate emergency fund set aside to help you through an unexpected expense.
The dividends earned on your certificate is added to your certificate balance at regular intervals. This is called "compounding." You can collect all of your earned dividends when your certificate matures at the end of the term.
Yes! New members are subject to a $7 membership fee (waived for members 17 years old and younger) and $5 initial Share deposit prior to opening any additional deposit account or entering into any loan agreement. If you live or work in the majority of counties in Indiana or in south west Michigan you can become a member.
*APY = Annual Percentage Yield. APY accurate as of May 1, 2023. Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice.