Share Certificates

Let it Grow with a Share Certificate Account

Share Certificate accounts are limited-term earning vehicles that can earn a higher interest rate than regular savings accounts. You save more 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 Share Certificate accounts not only yield a higher rate of return, but also offer these features:

  • 36 or 60-month terms available
  • Minimum balance of $5,000
  • 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

If you have at least $2,000 to deposit, our Premier Share Certificate account is the smart choice, as it is a higher-yield dividend term account with these features:

  • 11-month term
  • Deposits permitted only during open deposit periods*
  • 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 Share or Premier Share Certificate accounts, or would like to open an account, please contact a Member Service Representative at 404-676-2586 in Atlanta or toll free 877-277-2586 outside Atlanta.

View Share Certificate rates here.

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We are experiencing intermittent service interruption at the moment, so please consider that some banking services may be temporarily unavailable. We are working diligently to get these issues resolved as quickly as possible.  For details, visit our Refreshing Enhancements page, where you’ll find critical updates as well as answers to some Frequently Asked Questions.

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