Grow Your Savings with Guaranteed Returns
Lock in a competitive rate and watch your money grow with a secure, high-yield Share Certificate
What is a Share Certificate?
A Share Certificate (also known as a “Certificate of Deposit” or “CD”) is a savings account that locks in a set amount of money for a fixed period of time at a fixed interest rate that is higher than your everyday savings account. Share Certificates are also a great way to keep the value of your savings competitive with the market.
Why choose a Share Certificate?
Guaranteed Growth
Lock in a fixed rate and earn reliable returns.
Flexible Terms
Choose a term that fits your savings timeline, from three months to five years.
Higher Earnings
Our competitive rates help you maximize your savings.
Federally Insured
Your deposits are protected up to $250,000 by the NCUA.
Add Funds Anytime
Make additional deposits at any time to Share Certificates up to 36 month terms.
How do I open a Share Certificate?
Choose Your Term & Deposit Amount
Pick a term length that fits your savings goals, starting with as little as $25.
Open Your Share Certificate
Open your Share Certificate online via Digital Banking in minutes or visit your nearest Embold branch.
Watch Your Savings Grow
Earn guaranteed returns—no surprises, just smart savings.
|
Producto |
mín. Saldo diario |
APY1 |
Beneficios para miembros APY1,3 |
APY de dinero nuevo1,6 |
Nuevo dinero y beneficios para miembros APY1,3,6 |
|---|---|---|---|---|---|
|
Rates effective as of May 20, 2025. Apply Today |
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|
Producto Certificado de 3 meses |
mín. Saldo diario $25.00 |
APY1 0.60% |
Beneficios para miembros APY1,3 0.85% |
APY de dinero nuevo1,6 1.11% |
Nuevo dinero y beneficios para miembros APY1,3,6 1.36% |
|
Producto Certificado de 6 meses |
mín. Saldo diario $25.00 |
APY1 1.01% |
Beneficios para miembros APY1,3 1.26% |
APY de dinero nuevo1,6 1.51% |
Nuevo dinero y beneficios para miembros APY1,3,6 1.77% |
|
Producto Certificado de 12 meses (1 año) |
mín. Saldo diario $25.00 |
APY1 3.15% |
Beneficios para miembros APY1,3 3.41% |
APY de dinero nuevo1,6 3.67% |
Nuevo dinero y beneficios para miembros APY1,3,6 3.93% |
|
Producto Certificado de 18 meses |
mín. Saldo diario $25.00 |
APY1 3.30% |
Beneficios para miembros APY1,3 3.56% |
APY de dinero nuevo1,6 3.82% |
Nuevo dinero y beneficios para miembros APY1,3,6 4.08% |
|
Producto Certificado de 24 meses (2 años) |
mín. Saldo diario $25.00 |
APY1 3.46% |
Beneficios para miembros APY1,3 3.72% |
APY de dinero nuevo1,6 3.98% |
Nuevo dinero y beneficios para miembros APY1,3,6 4.24% |
|
Producto Certificado de 36 meses (3 años) |
mín. Saldo diario $25.00 |
APY1 3.67% |
Beneficios para miembros APY1,3 3.93% |
APY de dinero nuevo1,6 4.19% |
Nuevo dinero y beneficios para miembros APY1,3,6 4.45% |
|
Producto Certificado de 48 meses (4 años) |
mín. Saldo diario $25.00 |
APY1 3.77% |
Beneficios para miembros APY1,3 4.03% |
APY de dinero nuevo1,6 4.29% |
Nuevo dinero y beneficios para miembros APY1,3,6 4.55% |
|
Producto Certificado de 60 meses (5 años) |
mín. Saldo diario $25.00 |
APY1 3.98% |
Beneficios para miembros APY1,3 4.24% |
APY de dinero nuevo1,6 4.50% |
Nuevo dinero y beneficios para miembros APY1,3,6 4.76% |
¿Preguntas? tenemos respuestas
En un certificado de depósito, usted realiza un depósito inicial y luego deja que su dinero crezca sin interrupciones durante un período de tiempo determinado. Debido a que el plazo es fijo, su dinero puede crecer más rápido a una tasa más alta. Los términos están disponibles en intervalos de 3, 6, 12, 24, 36, 48 y 60 meses.
Yes! This isn’t a typical industry feature of Share Certificates, but at Embold, we’re happy to tell you that additional deposits to your Share Certificate with a term up to 36 months are A-OK. There are unlimited deposits.
Early withdrawals may be subject to penalties, which vary by term length. For all Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your certificate. The penalty schedule is as follows:
- Terms less than 12 months = 90 days dividends
- Terms 12 to 23 months = 180 days dividends
- Terms 24 months and greater = 270 days dividends
The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.
Share Certificates will automatically renew for another term upon maturity. 3, 6, 12, 18, 24, 36, 48, and 60 months are regular terms and will automatically renew for the same term at the rate in effect at maturity. Promotional Share Certificates are offered from time to time. When promotional share certificates mature, they will renew at the closest regular share certificate. If the term of a promotional share certificate falls in the middle of two regular terms, it will renew at the longer term. For Share Certificates you have a grace period of seven (7) calendar days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
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2) APY: Annual Percentage Yield. The percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Read our Truth in Savings Certificate disclosures aquí.
3) Beneficios para miembros: en su cuarto producto, aproveche un aumento de tasa de 0.25% en certificados de acciones o una disminución de 0.25% en préstamos a plazo y a tasa fija. Crédito de costo de cierre $500 para préstamos de primera hipoteca y crédito de costo de cierre $250 para HELOC y RELOC. Los productos requeridos incluyen: una cuenta de ahorros, una cuenta corriente, inscrita en estados de cuenta electrónicos y un producto de préstamo o depósito adicional.
6) Balance Information. The minimum balance requirements applicable to each account are stated in the Rate Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in a share account, which is $5.00 currently. For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the principal in the account each day. Share Certificates and Promotional Share Certificates can take advantage of a 0.50% rate increase for new money. New money refers to deposits, loans, or investments that have not been previously held at Embold. To qualify for the new money rate, at least 51% of the total deposit amount for each Share Certificate must be composed of new money. Deposits are considered new money for a period of seven calendar days from the date of the initial deposit.