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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 Aug 1, 2018
Type Term Dividend APY*
Share or IRA 5 yr 2.18% 2.20%
Share or IRA 4 yr 1.98% 2.00%
Share or IRA 3 yr 1.69% 1.70%
Share or IRA 2 yr 1.49% 1.50%
Share or IRA 1 yr 1.19% 1.20%
Share 6 mo 0.75% 0.75%
Share 3 mo 0.25% 0.25%
*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.

Already a member? Use Online Banking to open your new Share Certificate.
Life Happens

— No matter what stage of life you’re in, we can help make the ride a little smoother. —

  • There’s a first time for everything, but that doesn’t mean you have to go unprepared. Here are a few firsts that Securityplus can help you with.

  • So you’re ready to make one of the biggest commitments of your life? We’re experts at financing the big day expenses — and beyond.

  • No matter how much you plan, things can still go wrong. During times of unexpected hardship, Securityplus is still willing to help.

  • Whether a new baby or a new pet, a growing family means growing expenses. We can help you prepare for those changes in your budget.

  • Whether you're looking to vacation or you're relocating, Securityplus wants to make sure finances don't stand in your way.

  • You've spent most of your life preparing to retire. Securityplus can help ensure that you are financially equipped to do so comfortably.

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Securityplus was named 'Corporate Citizen of the Year' by Strong City Baltimore.

Join Securityplus Today
If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.
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