Share Certificates

Watch your money multiply with one of our Share Certificate accounts (CDs). We offer a variety of CDs that can earn a higher interest rate than regular savings accounts. Our CDs allow you to save money for your future needs by locking into our highest dividend rates for a specified term. The longer the term of the certificate, the higher the dividend rate earned. Our CDs not only yield a higher rate of return, but they also offer flexible terms to fit your financial needs.

You can open a Share Certificates with a minimum balance of $5,000. We also offer a Jumbo Savings Certificate with a minimum balance of $100,000.


  • Competitive dividend rates
  • 36 or 60 month terms available
  • A fixed dividend for the term of the certificate
  • No monthly service charges
  • Automatic renewal is optional
  • Available to be used for your Individual Retirement Account (IRA)
  • Joint ownership and beneficiaries permitted
  • Maturity notices sent 30 days from maturity date
  • Penalty for early withdrawal
  • Federally insured by the National Credit Union Association (NCUA) up to $250,000

Premier Share Certificate Account

Our Premier Share Certificate account is a higher yield dividend term account. A minimum deposit of $2,000 is required to open. Deposits are permitted only during open deposit periods.


  • 11 month term
  • Certificate will not automatically renew at end of term
  • Interest paid at maturity
  • Option to roll into a Premier Savings Account at maturity ($5,000 minimum balance requirement applies) if Premier Savings Accounts are open for enrollment
  • Federally insured by the National Credit Union Association (NCUA) up to $250,000

View our current Rate and Fee Schedule.

If you have any questions about CDs, contact a Member Service Representative at 404-676-2586 or toll free 877-277-2586.