Share Certificates

Make your money work hard for you with a high performance Share Certificate.  Choose from a variety of terms to fit your investment needs and enjoy higher earnings.

• Interest is calculated daily and paid quarterly

• Low minimum deposits of $500

• Terms offered from 3 months to 60 months*

• Your savings are insured to at least $500,000; a combination of $250,000 provided by the National Credit Union Administration (NCUA), a U.S. Federal Government agency, and $250,000 by Excess Share Insurance (ESI), a private deposit insurance company.

• Click here to access our current rates and latest Share Certificates specials.
   

Premium Share Certificates

You can expect premium returns and added flexibility.  Our unique options allow you to capitalize on economic changes or respond to shifts in your personal finances.

• Choose any monthly term between 3 and 60 months*
• Minimum deposit of $50,000 
• Interest calculated daily and paid quarterly
• Add-on deposit allowed once during the term of your certificate, from $1,000 up to $100,000: bring additional savings to your original Share Certificate and continue earning one premium investment rate.

And get some unique benefits on terms greater than 12 months:

• Rate bump-up allowed once during the term of your certificate: if rates go up you can switch to a higher rate and enjoy additional earnings
• You can make one penalty-free withdrawal during the term of your certificate, down to a minimum balance of $50,000
   

Ladder Certificate

This great investment allows you to take advantage of increasing certificate rates, all the while securing other assets in case of a rate drop (decrease). The concept is simple: Purchase a 1 year CD, as well as a 2, 3, 4 and 5 year CD. Each year, as one matures, roll it over into a new 5 year CD. This allows you to have a structured investment plan, helping you stay true to your goals and benefit from the higher yield long term investments offer. And best of all, if you need to withdrawal money, each year you will have a certificate maturing.

To view how this CD works click here to go to our calculator.
 

Young Investor Certificate
Not currently available to our Reno, NV Area Branch Members

This is a special certificate just for young investors under the age of 18.  With just a minimum deposit of $500 young investors can select from terms raging from 3 to 12 months.  Additional contributions may be made in $50 increments at anytime.

*Terms may vary by region. Pleas check with your local branch for details.