Share Certificates earn higher interest on money you don’t need to access for periods of 6-24 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.
Existing Members
Call us today at (530) 222-6060 or (800) 303-3838 or visit your nearest Members 1st branch
Nearest BranchNew Members
Visit your nearest Members 1st branch to open your account and certificate
Nearest BranchFeatures
Low Opening Deposit
Open your account with a $1,000 minimum opening deposit
Monthly Interest
Get up to 0.60% APY with dividends paid monthly
Flexible Terms
Choose your desired term from 6 to 24 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 Get Started
- 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
- Coordinate a deposit to fund your certificate
- Download the mobile app to track your savings progress
Sample Certificate Growth
The sample graph below is based on 0.35% APY on a $5,000 certificate and monthly compounded interestRenewals
Set your certificate to renew automatically upon maturity or renew online, at a Members 1st branch, or by calling (530) 222-6060 or (800) 303-3838. If you choose to not renew your Share Certificate, the funds will be deposited into your Members 1st Savings accountRates
Rates
APY*
Rates
0.20%
0.35%
0.400%
0.50%
0.20%
0.35%
0.40%
0.50%
0.25%
0.40%
0.45%
0.55%
0.30%
0.45%
0.50%
0.60%
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