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   Share certificate funds are not “liquid,” as a penalty may be assessed if any portion of the principal is withdrawn before maturity.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?

• Schedule an appointment

Want to learn more?

• Contact us 24/7 at 1-800-392-7122
• View our current rates
• Use our Savings Calculator to calculate the future value of a monthly investment.