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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

Education IRA Savings: Minimum Opening Balance: $0

Name APY Dividend Rate
All 1.51% 1.50%

Promotional Certificate and IRA Certificate Accounts: $25,000 minimum balance required

Name APY Dividend Rate
18 Month Certificate 2.40% 2.38%
27 Month Certificate (Minimum of 50% new money required to open) 3.10% 3.06%
30 Month Certificate 2.75% 2.72%
42 Month Certificate 2.80% 2.77%
55 Month Certificate 3.10% 3.06%
65 Month Certificate 3.25% 3.21%

Learn2Save: Minimum Opening Balance $250

Name APY Dividend Rate
Learn2Save 12 Months 1.80% 1.79%
Learn2Save 24 Months 2.15% 2.13%

Certificate Accounts: $1,000 minimum balance required

Name APY Dividend Rate
12 Month Certificate 2.05% 2.03%
24 Month Certificate 2.40% 2.38%
36 Month Certificate 2.70% 2.67%
48 Month Certificate 2.75% 2.72%
60 Month Certificate 3.10% 3.06%
72 Month Certificate 3.25% 3.21%

Traditional IRA & Roth IRA Certificate Accounts: $1,000 minimum balance required

Name APY Dividend Rate
12 Month IRA Certificate 2.05% 2.03%
24 Month IRA Certificate 2.40% 2.38%
36 Month IRA Certificate 2.70% 2.67%
48 Month IRA Certificate 2.75% 2.72%
60 Month IRA Certificate 3.10% 3.06%
72 Month IRA Certificate 3.25% 3.21%

Save To Win: Minimum Opening Balance: $25

Name APY Dividend Rate
12 Month Certificate .75% .75%

Traditional IRA Savings: Minimum Opening Balance: $0

Name APY Dividend Rate
All 1.51% 1.50%

Roth IRA Savings: 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.