Earn Higher Dividends on Your Savings
A Term Share Certificate is a great way to make saving easy! Invest $500 or more, at terms from 6 to 48 months.
Once you set up a new Share or IRA certificate (as long as you don't want to make changes to the term) you don't have to worry about missing a maturity date. Your certificate will automatically renew for the same term at the current rate. We will mail you a notice prior to the maturity date. If you want to make changes, just let us know.
If you opt out of the automatic renewal for another term, the account balance will be transferred to another account of yours upon maturity. If you do not notify us in advance, and the certificate automatically renews, you will then have a grace period of seven days after maturity in which to withdraw funds without being charged an early withdrawal penalty. You will not be paid dividends on the account after the maturity date.
If you have any questions regarding the new Certificate process, visit your local branch or contact us at 1-800-622-5305.
Take a look at our saving rates.
To open a Share Certificate, call 1-800-622-5305 to speak to one of our member service representatives or stop by your local branch.
APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: August 22, 2019. If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.
** Reward Rates - 2.02% APY (Annual Percentage Yield) is paid on balances between $0.00 to $20,000.00 and 0.10% APY is paid on all amounts of $20,000.01 and above, each cycle that the minimum qualifications are met. Up to $25.00 in ATM Fees will be refunded each cycle that qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No monthly service charge. The qualification cycle is approximately one month long, but begins on the last business day of the previous month and goes through the second to the last business day of the current month. Eligible transactions must post during the qualification cycle in order to receive credit. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as standard Share Draft Accounts.