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Enjoy more jingle.
A share certificate is basically the credit union’s version of certificate of deposit (CD). It’s a savings account where you deposit a fixed amount of money for set period and earn a guaranteed rate of return. Since credit unions are member-owned, your deposit represents your share in the credit union.
Share certificates have NCUA insurance coverage up to allowable amounts. Did you know that not one penny of insured savings has ever been lost by a member of a federally insured credit union?
7-Month Holiday Special Offer
- Earns 4.15% APY1
- Minimum deposit of $10,000 in new money required (meaning funds that aren’t already in an FSB or Y-12 Credit Union account)
12-Month Special Offer
- Earns 3.50% APY2
- Minimum deposit of $500 required
7-Month Special Offer
- Earns 4.00% APY2
- Minimum deposit of $500 required
1.Minimum balance to receive advertised rate is $10,000. Offer valid through 12/31/2025. Rate accurate as of 12/05/2025 and requires $10,000 in new money not transferred from an existing Y-12 Credit Union or FSB, A division of Y-12 Credit Union account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal which may reduce earnings. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Insured by NCUA.
2. Minimum balance to receive advertised rate is $500. Rates accurate as of 12/05/2025. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. Fees may affect earnings. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Insured by NCUA