Share Certificates

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.

Your certificate will automatically renew for the same term at the current rate. We will provide a notice to you prior to the maturity date, allowing the opportunity to opt-out of automatic renewal. 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. No dividends will be paid on the account after the maturity date.

For a complete list of all share certificate options visit our saving rates page.

To open a Share Certificate, apply online, call us at 1-800-622-5305, or stop by your local branch.

we've got your best interest in mind

APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: January 17, 2020. 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.

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