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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

Promotional Certificate Accounts: $5,000 minimum balance required

Name APY Dividend Rate
18 Month Certificate 1.80% 1.79%
30 Month Certificate 2.20% 2.18%
42 Month Certificate 2.40% 2.38%
55 Month Certificate 2.90% 2.87%
65 Month Certificate 3.10% 3.07%

Certificate Accounts: $1,000 minimum balance required

Name APY Dividend Rate
12 Month Certificate 1.30% 1.29%
24 Month Certificate 1.60% 1.59%
36 Month Certificate 1.80% 1.79%
48 Month Certificate 2.00% 1.99%
60 Month Certificate 2.20% 2.18%
72 Month Certificate 1.00% 1.00%

Save To Win: Minimum Opening Balance: $25

Name APY Dividend Rate
All .75% .75%

Roth IRA: Minimum Opening Balance: $0

Name APY Dividend Rate
All 1.51% 1.50%

Roth IRA CD: Minimum Opening Balance: $1000

Name APY Dividend Rate
All 0.80% 0.80%

Traditional IRA CD: Minimum Opening Balance: $1000

Name APY Dividend Rate
All 0.80% 0.80%

Traditional IRA: Minimum Opening Balance: $0

Name APY Dividend Rate
All 1.51% 1.50%

Education IRA: Minimum Opening Balance: $0

Name APY Dividend Rate
All 1.51% 1.50%

Minimum balance to earn dividends matches minimum opening balance except Save To Win where minimum balance to earn dividends is not applicable. Dividends compounded and credited quarterly. APY = Annual Percentage Yield.  For further details please see our Rate and Service Charges Disclosure.