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.

Savings Rates and Rewards Disclosures

APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: June 1, 2023. Updated rates can be found at ctelco.org/savings-rates/, by calling the credit union at 1-800-622-5305 or by visiting a branch. 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.

** Rewards dividends are calculated on the minimum average daily balance throughout the qualification cycle. The qualification cycle begins on the first day of the month and ends on the last day of the month. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as a Basic Checking Account.

Earn Higher Dividends on Your Savings

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