Share Certificates
Save for long-term gain
You can open a CD for as little as $1,000 and earn a higher rate than regular savings. This is ideal for future expenses such as college, weddings, retirement or big vacations.
Features:
- Dividends paid quarterly
- Receive a higher rate market sensitive rate for a guaranteed period of time
- Dividends can compound on the CD or be transferred to another savings or checking
- Keeps your funds out of reach until maturity
- Automatic rollover at maturity if you choose
- Federally Insured by the NCUA
Requirements:
- Must be an ELGA Credit Union Member
- Minimum deposit of $1,000 (no maximum)
- Early redemption penalty
Learn2Save: Minimum Opening Balance & Balance to Earn Dividends: $250.00
Months
APY
Dividend Rate
Learn2Save 12 Month
2.62%
Learn2Save 24 Month
2.75%
2.72%
Promotional Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
20 Month Promo CD
4.55%
4.47%
20 Month IRA Promo CD
4.55%
4.47%
20 Month Roth IRA Promo CD
4.55%
4.47%
Save To Win: Minimum Opening Balance: $25.00 Minimum Balance to Earn Dividends: $0.00
Months
APY
Dividend Rate
12 Month $0.00 - $24,999.99
0.75%
0.75%
12 Month $25,000.00 and over
0.10%
0.10%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings: Minimum Opening Balance & Balance to Earn Dividends: $0.00
Amount
APY
Dividend Rate
$0.00-$9,999.99
0.50%
0.50%
$10,000.00-$49,999.99
0.75%
0.75%
$50,000.00-$199,999.99
1.00%
1.00%
$200,000.00-$499,999.99
1.25%
$500,000.00 +
1.50%
$1,000.00 - $29,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
12 Month
2.62%
24 Month
2.75%
2.72%
36 Month
2.85%
2.82%
48 Month
2.95%
2.92%
60 Month
3.15%
3.11%
72 Month
3.20%
$30,000.00 - 99,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
12 Month
2.70%
24 Month
2.80%
2.77%
36 Month
2.90%
2.87%
48 Month
3.00%
2.97%
60 Month
3.20%
3.16%
72 Month
3.25%
3.21%
$100,000.00 - $249,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
12 Month
2.75%
2.72%
24 Month
2.85%
2.82%
36 Month
2.95%
2.92%
48 Month
3.05%
3.02%
60 Month
3.25%
3.21%
72 Month
3.30%
3.26%
$250,000.00 - $499,999.99 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
12 Month
2.80%
2.77%
24 Month
2.90%
2.87%
36 Month
3.00%
2.97%
48 Month
3.10%
3.06%
60 Month
3.35%
3.31%
72 Month
3.40%
3.36%
$500,000.00 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
Months
APY
Dividend Rate
12 Month
2.85%
2.82%
24 Month
2.95%
2.92%
36 Month
3.05%
48 Month
3.15%
3.11%
60 Month
3.45%
3.41%
72 Month
3.51%
3.46%
Minimum balance to earn dividends matches minimum opening balance except Save To Win where minimum balance to earn dividends is $0.00. Dividends compounded and credited quarterly. APY = Annual Percentage Yield. For further details please see our Rate and Service Charges Disclosure.
Interested in Share Certificates?
Let’s get started! Just call 810-715-3542 or fill out the form below and we’ll get right back to you.