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.
