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Effective Thursday, June 8, 2023 we are changing our branch hours of operation for lobby and drive-thru service on Thursdays and Fridays. To view the new branch hours, click here

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With guaranteed returns, competitive rates, and no maintenance or set up fees, share certificate and IRA accounts are a great option for those looking to maximize their savings and invest for their future.

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 Jun 03, 2023
Term† Dividend APY*
5 yr 2.72% 2.75%
4 yr 2.72% 2.75%
3 yr 2.72% 2.75%
2 yr 2.96% 3.00%
1 yr 3.44% 3.50%
6 mo 0.60% 0.60%
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. †Personal account certificates 12 months and longer are available as share or IRA. 

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 call 410-281-6200 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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