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Our savings rates have increased, so its a great time to get started.
You're never too old or too young to start saving.
What are Share Certificates?
Credit Union share certificates are comparable to Certificates of Deposit (CDs) and are a great way to earn higher yields on money that you won’t need to use for a while. With terms from 6 to 60 months, find the option that works best for your money.
We Match
Certificate rates up to 18 months from banks and credit unions inside San Bernardino and Riverside Countie
Start Small
Youth Certificates start with $250 and Regular Certificates start with $1000.
Compound Returns
Reinvest your funds on maturity to keep earning higher balances.
-
1
Open a Certificate
Start with at least $1000.
-
2
Set Your Term
Choose from 6 to 60 months. Longer terms earn better interest rates.
-
3
Spend or Reinvest
Use the interest to shop or save it and reinvest in a new certificate.
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Standard Rates
| Term (Months) | Rate | APY* |
|---|---|---|
|
6 |
|
|
|
12 |
|
|
|
18 |
|
|
|
24 |
|
|
|
36 |
|
|
|
60 |
|
|
Rates effective as of: July 13, 2025
This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Share Certificates.
Youth Rates
| Term (Months) | Rate | APY* |
|---|---|---|
|
6 |
|
|
|
12 |
|
|
|
24 |
|
|
Rates effective as of: July 13, 2025
This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all Youth Share Certificates.
IRA Rates
| Term (Months) | Rate | APY* |
|---|---|---|
|
12 |
|
|
|
18 |
|
|
|
24 |
|
|
|
36 |
|
|
|
60 |
|
|
Rates effective as of: July 13, 2025
This is not a full disclosure. Additional restrictions may apply.
See the full disclosure for details on all IRA Share Certificates.
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Rates effective as of: July 13, 2025
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