Skip nav to main content.

Share Certificates

A better deal on your savings

This account offers stellar rates on longer terms. 

Open Account
  • The rate you deserve

    We are currently offering superb rates on our Share Certificates, so you can save up for the things that matter most.

    Enjoy rates as high as 0.95% APY on a 36-month term—you’ll be hard-pressed to find that at most banks. We also have special bonus rates available when you pair your Share Certificate with another service. Receive a 0.25% APY Relationship Bonus Rate with any active checking account or Visa Credit Card from us or a loan or line-of-credit of $5,000 or more.

    • Rates as high as 0.95% APY on 36-month terms
    • Special bonus rates available when you have a Mag Fed loan, credit card, or checking account
    • Provides more guarantee than other risky investments
    • A wide range of terms available (from 3 months to 5 years)
    • No setup or maintenance fees
    • Note: special discounts can only be used one at a time



  • Rates


    Share Certificates

    Term Minimum Balance Required Rate APY
    3 Months $1,000 0.200% 0.20%
    6 Months $1,000 0.250% 0.25%
    12 Months $1,000 0.500% 0.50%
    18 Months $1,000 0.600%0.60%
    24 Months $1,000 0.650% 0.65%
    30 Months $1,000 0.700% 0.70%
    36 Months $1,000 0.800% 0.80%
    42 Months $1,000 0.800% 0.80%
    48 Months $1,000 0.900% 0.90%
    60 Months $1,000 1.000% 1.00%
  • Frequently Asked Questions

    Is there a minimum opening deposit?
    Yes. Our current minimum deposit for opening a Share Certificate is $1,000.
    How does a Share Certificate work?
    With a Share Certificate, you agree to set your money aside for a certain amount of time (called a term), in exchange for a higher interest rate. The more you set aside, the higher the interest. If you withdraw your money before the end of the term, you'll have to pay a penalty.


    For more information or if you have a question, please get in touch with us.

    Contact Us

Open your Share Certificate online

Did you know you can open your Share Certificate right here online? Save a trip and start saving.

Open Now