A Share Certificate is risk-free way to invest your money and earn a guaranteed rate of return. With a Share Certificate, you commit to keeping your deposit on hold for a certain amount of time (the term), and in return you'll earn a higher rate than with traditional Savings accounts. And, your Share Certificate deposits are federally insured up to $250,000 by the NCUA.
Once the Certificate is opened, you don't add or withdraw from the account. Simply let your savings sit and earn a great interest rate. Once the Certificate expires (term is over), you can choose to withdraw the funds or roll it into another Certificate.
You can open a Share Certificate at DPS FCU with as little as $500, and can choose from Certificate terms ranging from one year to five years.
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