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Letting your funds sit for awhile? Putting them in a Share Certificate or IRA Share Certificate could earn you higher dividends.

Share Certificates

  • Share Certificates offer flexible opportunities for higher earnings
  • Terms range from 3 months to 5 years
  • Minimum initial opening deposit of $1,000

IRA Share Certificates

  • Offered as either a Traditional or Roth IRA
  • Terms range from 1-5 years
  • Minimum initial opening deposit of $1,000
Certificate Rates
Effective Sep 28, 2022
Type Term Dividend APY*
Current Promotion (Share or IRA)** 18 mo 2.75% 2.78%**
Share or IRA 5 yr 2.00% 2.01%
Share or IRA 4 yr 2.00% 2.01%
Share or IRA 3 yr 2.00% 2.01%
Share or IRA 2 yr 1.75% 1.76%
Share or IRA 1 yr 1.00% 1.00%
Share 6 mo 0.60% 0.60%
Share 3 mo 0.40% 0.40%
*APY = Annual Percentage Yield. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point.
**Rate as of 9/06/2022. Minimum opening deposit of $500, and must be maintained throughout the term of the certificate. IRA certificates are subject to IRS contribution limits. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point. The 18-month share or IRA certificate must be opened at a Securityplus Federal Credit Union branch location and must be funded with money not currently on deposit with Securityplus (new money); or, a member must have a qualifying monthly direct deposit of $500 established with Securityplus. A qualifying direct deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security, or other regular monthly income electronically deposited by an employer or an outside agency into a share account with Securityplus. Securityplus reserves the right to end or modify this offer or update the stated Annual Percentage Yield (APY) at any time.


What Our Members Say

"I have always been treated in a friendly and professional manner, especially when dealing with employees who help me with CDs and questions on percentage rates of things you offer." - B.E., Securityplus Member


Ready to get started?
You may also log into Digital Banking to open a regular certificate. For IRA Certificates, please contact our call center or visit a branch.
 

Join Securityplus Today

Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!

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