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.

  • Certificates are available for terms of 6, 12, 30 and 48 months.
  • Earnings are paid using the Average Daily Balance method and are credited and compounded quarterly.* (Read more detailed dividend information here.)
  • 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

Effective October 1, 2018
Term & TypeDividend RateAPY*
* 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. 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.

**With our 48-month "Smart Savers Certificate," you have the option to change your interest rate one time during the 48-month term to the 48-month Certificate rate current at that time. Limited time offer; subject to change at any time.
6 Months0.50%0.50%
12 Months0.75%0.75%
30 Months1.25%1.25%
48 Months Bump-Up**1.75%1.75%

IRA & Education Share Certificates

Effective October 1, 2018
Term & TypeDividend RateAPY*
* 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. 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.

**With our 48-month "Smart Savers Certificate," you have the option to change your interest rate one time during the 48-month term to the 48-month Certificate rate current at that time. Limited time offer; subject to change at any time.
12 Months0.75%0.75%
30 Months1.25%1.25%
48 Months Bump-Up**1.75%1.75%

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.

Visit a branch

*Penalties for early withdrawal will affect dividends earned.