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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 Oct 27, 2021
Type Term Dividend APY*
Share or IRA 5 yr 0.85% 0.85%
Share or IRA 4 yr 0.80% 0.80%
Share or IRA 3 yr 0.75% 0.75%
Share or IRA 2 yr 0.70% 0.70%
Share or IRA 1 yr 0.60% 0.60%
Share 6 mo 0.30% 0.30%
Share 3 mo 0.10% 0.10%
*APY = Annual Percentage Rate. 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.
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.

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If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from one of our Select Employee Groups (SEGs); or are in the immediate family of an existing member, you are eligible to join our credit union.


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credit union staff at HopeFul

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