Share Certificates
Move beyond a traditional savings account to grow your money even more through higher dividends with GHS FCU Share Certificates.
WHAT ARE SHARE CERTIFICATES?
Similar to a certificate of deposit, share certificates are issued by credit unions, rather than traditional commercial banks. Place an initial deposit amount (see rate chart below), choose the rate and term, and enjoy a fixed rate of return.
When you open a share certificate, you’ll already know the dividends you’ll receive upon its maturity date, provided you don’t make any early withdrawals (early withdrawal penalties apply). At GHS, share certificates automatically renew upon maturity.
Choose between short and long-term investment options, depending on your financial goals and current interest rates.
WHAT IS THE DIFFERENCE BETWEEN SHARE CERTIFICATES AND MONEY MARKET ACCOUNTS?
SHARE CERTIFICATE RATES
GHS FCU Share Certificate fixed rate dividends are compounded and credited monthly.
Share Certificate Rates
| Term | Regular Account | IRA Account | Dividend Rate | APY* |
|---|---|---|---|---|
| Minimum Opening Deposit | Minimum Opening Deposit | |||
| 3 Month | $500.00 | N/A | 0.50% | 0.50% |
| 6 Month | $500.00 | N/A | 0.75% | 0.75% |
| 9 Month Special** | $5,000.00 | $5,000.00 | 2.23% | 2.25% |
| 12 Month | $500.00 | $500.00 | 1.49% | 1.50% |
| 13 Month Plus | $500.00 | $500.00 | 1.49% | 1.50% |
| 18 Month | $500.00 | $500.00 | 1.74% | 1.75% |
| 24 Month | $500.00 | $500.00 | 1.98% | 2.00% |
| 25 Month Plus | $500.00 | $500.00 | 1.98% | 2.00% |
| 30 Month | $500.00 | $500.00 | 2.23% | 2.25% |
| 36 Month | $500.00 | $500.00 | 2.48% | 2.50% |
| 48 Month | $500.00 | $500.00 | 2.72% | 2.75% |
| 60 Month | $500.00 | $500.00 | 2.96% | 3.00% |
Certificates are federally insured by the NCUA (National Credit Union Administration) up to $250,000.
*APY = Annual Percentage Yield. Rates are subject to change without notice at any time. For further information about rates, applicable fees and terms, please contact GHS at 607-723-7962 or toll free at 800-732-4447.
**Special share certificate ate for a limited time offered for new money to the credit union only, no rollovers.
Terms and conditions apply.
Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
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