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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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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

Share Certificates

Rates effective as of 10/6/2026
Term Minimum Balance to Open APY* Dividend Rate
91 Day $500 2.80% 2.76%
$10,000 2.85% 2.81%
$50,000 2.90% 2.86%
$100,000 2.95% 2.91%
6 Month $500 3.10% 3.06%
$10,000 3.15% 3.11%
$50,000 3.20% 3.15%
$100,000 3.25% 3.20%
1 Year $500 3.40% 3.35%
$10,000 3.45% 3.40%
$50,000 3.51% 3.45%
$100,000 3.56% 3.50%
18 Month $500 3.51% 3.45%
$10,000 3.56% 3.50%
$50,000 3.61% 3.55%
$100,000 3.66% 3.60%
2 Year $500 3.56% 3.50%
$10,000 3.61% 3.55%
$50,000 3.66% 3.60%
$100,000 3.71% 3.65%
3 Year $500 3.61% 3.55%
$10,000 3.66% 3.60%
$50,000 3.71% 3.65%
$100,000 3.76% 3.70%
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

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Share Saver Certificate – 12-Month Term

Rates effective as of 10/6/2026
Tier Minimum Balance to Open & Earn APY APY* Dividend Rate
Tier 1 $50 3.50% 3.45%
Tier 2 $200 3.75% 3.69%
Tier 3 $300 4.00% 3.93%
Tier 4 $400 4.25% 4.17%
Tier 5 $500 (maximum principal balance) 4.50% 4.41%

*APY = Annual Percentage Yield. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal. This is a Tiered Rate term account. Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account. 

IRA Share Certificates

Rates effective as of 10/6/2026
Term Minimum Balance APY* Dividend Rate
1 Year $500 3.40% 3.35%
18 Month $500 3.51% 3.45%
2 Year $500 3.56% 3.50%
3 Year $500 3.61% 3.55%
4 Year $500 3.66% 3.60%
5 Year $500 3.71% 3.65%
* APY = Annual Percentage Yield. Rates and terms are subject to change without notice. APY assumes principal and dividends remain on deposit for the length of the term. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.

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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