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
| Name | APY | Dividend Rate |
|---|---|---|
| Learn2Save 12 Month | 0.95% | 0.95% |
| Learn2Save 24 Month | 1.05% | 1.05% |
Save To Win: Minimum Opening Balance: $25.00 Minimum Balance to Earn Dividends: $0.00
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month $0.00 - $24,999.99 | .75% | .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
| Name | 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% | 1.25% |
| $500,000.00 + | 1.51% | 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
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month | 0.95% | 0.95% |
| 24 Month | 1.05% | 1.05% |
| 36 Month | 1.16% | 1.15% |
| 48 Month | 1.26% | 1.25% |
| 60 Month | 1.36% | 1.35% |
| 72 Month | 1.41% | 1.40% |
$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
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month | 1.05% | 1.05% |
| 24 Month | 1.16% | 1.15% |
| 36 Month | 1.26% | 1.25% |
| 48 Month | 1.36% | 1.35% |
| 60 Month | 1.46% | 1.45% |
| 72 Month | 1.51% | 1.50% |
$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
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month | 1.16% | 1.15% |
| 24 Month | 1.26% | 1.25% |
| 36 Month | 1.36% | 1.35% |
| 48 Month | 1.46% | 1.45% |
| 60 Month | 1.56% | 1.55% |
| 72 Month | 1.61% | 1.60% |
$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
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month | 1.26% | 1.25% |
| 24 Month | 1.36% | 1.35% |
| 36 Month | 1.46% | 1.45% |
| 48 Month | 1.56% | 1.55% |
| 60 Month | 1.66% | 1.65% |
| 72 Month | 1.71% | 1.70% |
$500,000.00 Tier: Regular CD / Traditional IRA CD & Roth IRA CD Accounts: Minimum Opening Balance & Balance to Earn Dividends: $1,000.00
| Name | APY | Dividend Rate |
|---|---|---|
| 12 Month | 1.31% | 1.30% |
| 24 Month | 1.41% | 1.40% |
| 36 Month | 1.51% | 1.50% |
| 48 Month | 1.61% | 1.60% |
| 60 Month | 1.71% | 1.70% |
| 72 Month | 1.76% | 1.75% |
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.
