Five Star Share Certificates
By investing your funds for a committed time period, you’ll earn a higher rate with a Share Certificate than a Share Savings account.
- Share Certificates are available for terms of 12, 30 and 48 months. Special Certificates may be available for different terms.
- Earnings are paid using the Average Daily Balance method and are credited and compounded quarterly.* (Read more detailed dividend information on our Disclosures page.)
- The minimum deposit is $500.
- Open your Share Certificate in a credit union branch office.
- Individual Retirement Account (IRA) Certificates are also available.
Regular Share Certificates
Information effective September 1, 2023.| Term & Type | Dividend Rate | APY* |
|---|---|---|
| 5 Months (special, non-renewable) | 3.50% | 3.55% |
| 12 Months | 2.25% | 2.27% |
| 14 Months (special, non-renewable) | 4.00% | 4.07% |
| 30 Months | 2.75% | 2.78% |
| 48 Months | 3.25% | 3.29% |
| * APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date; exceptions are the non-renewable 5 Month Certificate (whose funds will be deposited into the member's Share Savings account upon maturity) and the non-renewable 14 Month Certificate (whose funds will be deposited into a 12 Month Certificate upon maturity). You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties. |
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IRA & Education Share Certificates
Information effective September 1, 2023.| Term & Type | Dividend Rate | APY* |
|---|---|---|
| 5 Months (special, non-renewable) | 3.50% | 3.55% |
| 12 Months | 2.25% | 2.27% |
| 14 Months (special, non-renewable) | 4.00% | 4.07% |
| 30 Months | 2.75% | 2.78% |
| 48 Months | 3.25% | 3.29% |
| * APY = Annual Percentage Yield. Minimum balance for certificates is $500. Certificate rates are subject to change at any time. Please call for current rates. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before your maturity date; exceptions are the non-renewable 5 Month Certificate (whose funds will be deposited into the member's Share Savings account upon maturity) and the non-renewable 14 Month Certificate (whose funds will be deposited into a 12 Month Certificate upon maturity). You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to review. Upon automatic renewal, the term will be the same as the original term. Penalty for early withdrawal on Certificates and IRAs. IRAs are also subject to IRS penalties. |
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Your Savings are Federally Insured
All Five Star Federal Credit Union share accounts are insured by National Credit Union Administration. (NCUA), an agency of the U.S. Government, up to $250,000. Individual Retirement Accounts are insured separately by NCUA, up to an additional $250,000. Verify your insurance coverage amounts by using the free NCUA Share Insurance Estimator.
Maximize your earnings with Share Certificates.
*Penalties for early withdrawal will affect dividends earned.