Share Certificates

Are you looking for a great way to earn higher interest rates on your money? Share Certificates from CTCU are the answer. Share Certificates-or Certificates of Deposit (CDs) earn a higher rate of interest in exchange for keeping funds on deposit for a specified term. Rates vary depending on the amount deposited and term selected.

Certificates require a minimum deposit of $1,000.00. Terms can range from 3 months to 5 years. Rates are higher than a regular savings account and provide you with a safe place to invest your money. We also offer IRA certificates in matching terms to meet your financial goals.

Member Benefits

  • Eight different terms to best suit your needs. Choose from 3, 6, 18 months or 1, 2, 3, 4 or 5 years
  • Easily let money continue to earn interest and renew without a visit to the credit union.
  • Dividends can always be withdrawn without penalty from the current term.
  • Dividends can be deposited into savings.
  • Can be mailed to you as well.


  • Must have primary savings account.
  • Minimum deposit is $1,000.
  • If funds are removed prior to term date, the following penalty applies on the amount withdrawn:
    • 3 months interest on certificates of 12 months or less.
    • 6 months interest on certificates of more than 12 months.
    • Please note that penalty can effect principal (original deposit)