Certificates

Q: What is a Share Certificate?

A Share Certificate is similar to a certificate of deposit (CD), only it is issued by a credit union. And it comes with no financial risk—it will not lose value unless you withdraw funds before the term ends. A Share Certificate is a safe, secure and flexible way to invest your funds.

Q: How does a Share Certificate differ from a regular savings account?

Unlike a regular savings account, a Share Certificate locks in your money for a specific term, usually with a higher interest rate. Early withdrawals may incur a penalty.

Q: What interest rates are available on Share Certificates?

You can view our Share Certificate rates here .

Q: How long are the terms for Share Certificates?

Terms can range from a few months to several years, such as 6, 12, 24, or 60 months. At Members Heritage, you choose which term length works best for you.

Share Certificates

Share Certificates can be opened with a minimum balance and you choose the rate/term that appeals to you.

Dividends calculated on average daily balance, paid monthly.
Terms available from 91 days-5 years.
Minimum balance $500.
Can be used as collateral on Secured Loans.
Certificate promotion: Special 15-Month @ 4.25% APY*
Jumbo Certificate promotion: Jumbo 15-Month @ 4.35% APY.**

Apply Now View Rates

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*APY=Annual percentage yield. Limited time offer. Rates subject to change. Requires a minimum of $500.
**APY=Annual percentage yield. Limited time offer. Rates subject to change. Minimum deposit for jumbo certificate = $100,000.