Term Share Certificates are higher-yield term investments. Minimum balances range from $1,000 to $5,000, depending on the term. Terms range from 6 months to 5 years. Interest is compounded daily and paid monthly or quarterly. Interest from term share certificates may be compounded back to the certificate, deposited to another account type, or mailed to the member.
At maturity, term share certificates will automatically renew for the same term and current rate unless otherwise specified. Funds are federally insured up to at least $250,000 and backed by the full faith and credit of the U. S. Government National Credit Union Administration.
Regular Term Share Certificates have tiered rates based on the total balances in all savings accounts (except IRAs.)
*APY = Annual Percentage Yield. This is a limited time offer. Advertised rate is the highest rate offered for promotion. New money only. $1000.00 minimum deposit required. Money cannot come from an existing EPIC account within the existing promotion period to a new 12-month Term Share Certificate. Federally insured by the NCUA.
* 5.00% APY on 12-month Share Certificate. APY accurate as of June 1, 2026. Minimum balance of $500.00 required to earn APY. Minimum deposit to open $500.00. Early withdrawal penalty may apply. Fees could reduce earnings. Membership required. Federally insured by NCUA.