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Share & IRA Certificates

Share and IRA Certificates are similar to Certificates of Deposit (CDs) offered by banks. With an EECU Share or IRA Certificate, you invest a set amount of money for a specific length of time. The money in the certificate earns a higher rate than on a regular savings account, so you can maximize your savings and work toward achieving your financial goals.

Features & Benefits
To Grow Your Savings

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Celebrate and Save This Summer

We’re celebrating our nation’s independence with special rates on Share and IRA Certificates July 4 - 31, 2026. Open a Freedom Certificate today and enjoy the stability of a fixed rate and the predictability of a guaranteed return, with the flexibility to choose the term that works best for you.

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Built for Your Peace of Mind

Our Share & IRA certificates feature low minimum opening balances and terms ranging from 91 days to five years.

Unlike other types of investments that don’t offer a guaranteed rate of return, you can relax knowing that you’re earning a fixed dividend rate for the entire term of the certificate and your money is insured by the National Credit Union Administration. Visit the NCUA Share Insurance Estimator website to learn how share insurance rules apply to member share accounts and what portion (if any) exceeds coverage limits.

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Today's Certificate Rates

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Calculate Your Savings

Share Certificates Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Share & IRA Certificate FAQs

Find answers to frequently asked questions. Need additional info? Contact us!

Share Certificates may be opened in Online Access Home Banking or the Mobile App. To open an IRA Certificate, visit any branch or call us.

There is a penalty fee if funds are withdrawn before maturity.

No, funds cannot be added to the certificate after opening.

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