Share Certificates earn higher interest on money you don’t need to access for periods of 6-36 months. With a low minimum opening deposit and flexible terms, a Share Certificate is a great way to build a savings goal or make the most of excess funds.
Rates
Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal
Certificate Amounts
APY
Certificate Amounts
0.45%
0.60%
0.70%
0.80%
0.85%
0.45%
0.60%
0.70%
0.80%
0.85%
0.50%
0.65%
0.75%
0.85%
0.90%
0.55%
0.70%
0.75%
0.90%
0.95%
Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal
Earn a rate of 1.75% APY* for 15 months or 1.00% APY* for 7 months
Get this limited-time certificate rate.Offer available for a limited time and subject to change. $100 minimum deposit. Penalty imposed for early withdrawal.
Features
Low Opening Deposit
Open your account with a $100 minimum opening deposit
Monthly Interest
Get up to 1.75% APY with dividends paid monthly
Flexible Terms
Choose your desired term from 6 to 36 months
Federally Insured
Your funds are federally insured by the NCUA up to applicable limits
Flexible Interest
Interest can be deposited to your certificate, share, or checking account
24/7 Access
Enjoy unlimited access to your account via online banking or the app
How to Open a Certificate
- Visit your nearest Members 1st branch or if you an existing member, call us at (530) 222-6060 or (800) 303-3838
- Choose your desired term and APY
- Deposit money to fund your certificate
- Download the mobile app to track your savings progress