Share Certificates
Let your money work for you
Let your money work for you and earn dividends on your funds with our Share Certificates. Choose from a variety of term options, short or long, depending on your financial time-frame.
Guaranteed Returns
A Share Certificate, much like a CD offers a higher rate of return than a traditional savings account. Your funds stay put, untouched, for the term you’ve selected. Typically, the longer your term commitment, the higher dividend you’ll earn.
For added security, all your SafeAmerica Credit Union deposit accounts are insured to $500,000 per account.
Details
- Variety of terms, 3 – 60 months
- Competitive rate that remains fixed for the life of the certificate
- Insured to $500,000 per account
- View your accounts online or through our mobile app
Rates
| Share Certificates Rates as of 12-1-23 | ||
|---|---|---|
| Term | Dividend Rate | APY1 |
| 3 Months | 1.00% | 1.00% |
| 6 Months | 1.24% | 1.25% |
| 8 Month Special*** | 4.89% | 5.00% |
| 12 Months | 2.23% | 2.25% |
| 14 Month Special*** | 4.89% | 5.00% |
| 24 Months | 2.23% | 2.25% |
| 36 Months | 2.23% | 2.25% |
| 48 Months | 2.23% | 2.25% |
| 60 Months | 2.23% | 2.25% |
| Youth Certificate** - 12 months | 9.56% | 9.99% |
1 Annual Percentage Yield. Minimum balance requirement is $1,000. Available rates subject to change without notice. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply to certificates.
**Youth Certificate: $1,000 minimum and maximum. Only one youth certificate per member, ages 23 and under only. Rolls into a regular 12 month certificate upon maturity, not the high yield youth certificate. Once the certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply.
***Certificate Specials: New money required. 8 month rolls into a 6 month certificate upon maturity. 14 month rolls into a 12 month certificate upon maturity. Any money deposited at SafeAmerica within the last 30 days qualifies as “new money”. Early withdrawal penalties apply to all certificates. Does not apply to IRA Certificates.
