💰 Term‑Share Certificates (CDs)
Guaranteed growth. Zero guesswork. Just smart saving.
If you want your money to grow safely — without worrying about market ups and downs — a Term‑Share Certificate (also known as a CD) is one of the smartest moves you can make. You deposit a set amount, pick your term, and earn a guaranteed return when it matures. Simple, predictable, and perfect for long‑term saving goals.
⭐ Why People Love Certificates
They’re ideal if you…
- Want higher dividends than a regular savings account
- Don’t need constant access to the money
- Prefer to deposit once and watch your savings grow
- Want a safe, guaranteed return on your investment
It’s a “set it and grow it” kind of account — no surprises, no risk.
💎 Certificate Features
- Start with as little as $500
- Fixed rate of return — your earnings never change
- Choose terms from 3 to 71 months
- Automatic renewal so your money keeps growing
- Your funds are NCUA insured up to $250,000
Perfect for building savings with confidence.
🚀 Step-Up CD
A Certificate with a power-up option — for when rates rise.
Want the safety of a CD but also want the chance to increase your earnings if rates go up?
That’s exactly what the Step‑Up CD offers.
⭐ What makes it cool?
You get one chance during your term to “step up” your rate — up to 1.00% higher than your original APY.
🎉 Example:
If your certificate is earning 0.10% APY, and rates rise, you can bump it up to 1.10% APY for the rest of your term.
No penalties. No hoops. Just more earnings.
A Step‑Up CD gives you the stability of a certificate with bonus flexibility — perfect for savers who want a little more control.