Do you have extra money you can keep on deposit for several months or years? You'll get a stronger,
guaranteed rate of return when you open a Share Certificate.
Getting to Know Share Certificates
Commonly known as a Certificate of Deposit, or CD, a Share Certificate is a CD for credit unions! When you have extra money you can keep on deposit for several months or years, you’ll earn dividends at a stronger, guaranteed rate of return for a set period of time.
Learn more about the differences between a Share Certificate and a CD from our money matters blog and figure out the incentives of opening a share certificate account with Sharonview Federal Credit Union today.
Why Choose a Sharonview Share Certificate Account
At Sharonview, our Share Certificates aren’t just another savings option—they’re a smart move for members who want to put their money to work with confidence and purpose. Here are some additional benefits of opening a share certificate account from Sharonview Federal Credit Union:
- Grow with a purpose: If you’re planning for something big, saving for peace of mind, or simply putting idle funds to work, you can find a term to fit your goal.
- A term for every saver: Whether you’re just getting started or managing a mature portfolio, Share Certificates let you customize your savings plan. Choose shorter terms for flexibility or longer terms for maximum yield and adjust over time as your goals evolve.
- Member service that puts you first: The Sharonview team is here to help you choose the right Share Certificate for your goals, whether you visit a branch, call us, or apply online. You’ll always get expert guidance from a team that cares about you along your financial journey.
Dividend Rates and Annual Percentage Yields (APYs) are accurate as of February 2nd, 2026
Rates are subject to change at any time without notice. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account for the Period. The average daily balance is calculated by adding the balance in your account for each day of the Period and dividing that figure by the number of days in the Period. For all accounts, the dividend period begins on the first calendar day of the month and ends on the last calendar day of the month; dividends are compounded daily and credited monthly. For Certificates, the APY assumes dividends remain in the account until maturity; a withdrawal will reduce earnings. Certificates will automatically renew at maturity after a grace period of 5 calendar days. Share/Savings rates may change at any time after the account is opened, based on the determination of the Credit Union’s Board of Directors. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The APY set forth in this schedule are prospective rates and yields the Credit Union anticipates paying for the applicable dividend period. Dividends will not be paid if an account is closed before accrued dividends are credited. Fees may reduce earnings. The par value of a regular share in this credit union is $5. Refer to your Membership Agreement and Disclosures for complete terms and conditions.
*Penalties may be imposed for early withdrawal as follows: certificate terms of one year or less will forfeit 90 days dividends; terms greater than one year up to five years forfeit 180 days dividends; terms greater than five years forfeit 365 days dividends. The penalty will, if necessary, be taken from the principal amount of the deposit.”
Minimum deposit of $500 required.