Share Certificates

Earn More on Money You Can Set Aside

Share Certificates pay higher dividends than regular savings in exchange for leaving your money in place for a set term. Terms run from 3 to 60 months, and you can open one with just $500.

Borrow Without Breaking Your Savings

You can also use your certificate to secure a loan. Your savings stay intact and keep earning, and you borrow at a low rate: just 2% above your certificate rate.

 

Minimum Opening Balance $500.00
Term 3, 6, 9, 12, 18, 24, 36, 48 or 60 months
Dividend Posting Options Reinvest in the certificate or transfer to another KFCU account
Dividend Payment Frequency Monthly and at maturity
Dividend Withdrawal Allowed
Grace Period 10 days after maturity to change the term, add or withdraw funds or close the certificate without penalty
Early Withdrawal Penalty A penalty applies if principal is withdrawn before maturity.
At Maturity

 

Renews automatically for the same term at the rate in effect at that time

 

Ready to lock in a rate? View current certificate rates or contact us to open a certificate today