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Save for your short-term or long-term goals with a variety of share certificate options, starting at just $500.

CorePlus Credit Union Share Certificates: Secure Savings with Guaranteed Earnings

Watch your money grow with our competitive rates!

Share Certificates at CorePlus Credit Union

CorePlus Credit Union Share Certificates are a safe and secure way to grow your money over time. With a variety of term lengths to choose from, you can find the perfect share certificate to meet your needs, whether you’re saving for a down payment on a house, a new car, or retirement.

We offer a range of options from 3 months up to 5 years, giving you the security of guaranteed earnings at the end of your term.

Most of our share certificates have a minimum required deposit of just $500. This type of savings strategy is a zero-risk way to meet your short- or long-term goals.

February 21st, 2024

Current Rates

Checking As high as 4.00 % APY

Savings As high as 4.00 % APY

Home Equity Loans As low as 6.25 % APR

Personal Loans As low as 7.99 % APR

Share Certificates As high as 5.00 % APY

Vehicle Loans As low as 6.99 % APR

How Share Certificates Work:

When you open a share certificate, you agree to deposit a certain amount of money for a specific period of time, such as 3 months, 1 year, or 5 years. During the term of the share certificate, you cannot withdraw your money without penalty. However, you will earn interest on your deposit at a guaranteed rate.

At the end of the term, your share certificate will mature and you will receive your deposit back, plus any interest you have earned. You can then choose to renew your share certificate for another term or withdraw your money.

Which Share Certificate is Right for You?

CorePlus Credit Union offers a variety of share certificate options to choose from, so you can find the perfect one to meet your needs. When choosing a share certificate, consider the following factors:

  • Term length: How long do you want to save your money for?
  • Interest rate: What are your goals for earning?
  • Minimum opening deposit: How much money can you afford to deposit? 

Once you have considered these factors, you can compare the different share certificate options to find the best one for you. 

CorePlus Credit Union Share Certificates are a great way to save for your short-term or long-term goals. With a variety of term lengths to choose from and a minimum opening deposit of just $500 on most share certificates, there’s a share certificate that’s right for everyone.

Open a Share Certificate Account online in three easy steps.

Apply online

Enter your personal information on our secure website to get started.

Transfer funds

Easily eTransfer funds to set the opening deposit for your account.

Enjoy an increased balance

After your designated length of time to mature, your share certificate will be ready to withdraw or reinvest.

How Share Certificates Differ from Certificates of Deposit (CDs)

Share certificates and CDs are very similar products, but there are a few key differences. Share certificates are issued by credit unions, while CDs are issued by banks. Additionally, share certificates are insured by the National Credit Union Administration (NCUA), while CDs are insured by the Federal Deposit Insurance Corporation (FDIC).

Both share certificates and CDs offer guaranteed earnings at the end of the term. However, share certificates may offer higher interest rates than CDs. Additionally, share certificates may have lower minimum opening deposits than CDs.

Overall, share certificates are a great way to save money and earn guaranteed earnings, especially for credit union members.

Ready to start earning? Open A Share Certificate Account.

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