Share Certificate

Share Certificates pay a certain dividend if held for a specific period or term. We offer 12, 24, 36, 48 and 60-month share certificate options.   Share certificate funds are not “liquid,” as a penalty may be assessed if any portion of the principal is withdrawn before maturity.

In general, Share Certificates are a good choice if:

  • You do not need to access your funds for a certain length of time (the longer the term, the higher the rate)
  • You want to calculate your expected earnings at the outset of the investment
  • You want a federally insured investment product with a guaranteed rate of return
  • You can meet the $500 minimum opening balance requirement
  • You want a higher interest rate than a Money Market Account or Regular Savings Account

Ready to open a Share Certificate with First Class Community Credit Union?

Want to learn more?


Our Westown Parkway location will be closed until further notice due to storm and water damage. We apologize for this inconvenience. Our Euclid Ave location is still open during normal operating hours to assist you.