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 of terms less than 36 months.
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.
|
Product |
Min. Daily Balance |
APY2 |
Member Perks APY2,3 |
New Money APY2,6 |
New Money and Member Perks APY2,3,6 |
|---|---|---|---|---|---|
|
Rates effective as of March 16, 2025. |
|||||
|
Product 3 Month Certificate |
Min. Daily Balance $25.00 |
APY2 0.60% |
Member Perks APY2,3 0.85% |
New Money APY2,6 1.11% |
New Money and Member Perks APY2,3,6 1.36% |
|
Product 6 Month Certificate |
Min. Daily Balance $25.00 |
APY2 1.01% |
Member Perks APY2,3 1.26% |
New Money APY2,6 1.51% |
New Money and Member Perks APY2,3,6 1.77% |
|
Product 12 Month (1 Year) Certificate |
Min. Daily Balance $25.00 |
APY2 3.15% |
Member Perks APY2,3 3.41% |
New Money APY2,6 3.67% |
New Money and Member Perks APY2,3,6 3.93% |
|
Product 18 Month Certificate |
Min. Daily Balance $25.00 |
APY2 3.30% |
Member Perks APY2,3 3.56% |
New Money APY2,6 3.82% |
New Money and Member Perks APY2,3,6 4.08% |
|
Product 24 Month (2 Year) Certificate |
Min. Daily Balance $25.00 |
APY2 3.46% |
Member Perks APY2,3 3.72% |
New Money APY2,6 3.98% |
New Money and Member Perks APY2,3,6 4.24% |
|
Product 36 Month (3 Year) Certificate |
Min. Daily Balance $25.00 |
APY2 3.67% |
Member Perks APY2,3 3.93% |
New Money APY2,6 4.19% |
New Money and Member Perks APY2,3,6 4.45% |
|
Product 48 Month (4 Year) Certificate |
Min. Daily Balance $25.00 |
APY2 3.77% |
Member Perks APY2,3 4.03% |
New Money APY2,6 4.29% |
New Money and Member Perks APY2,3,6 4.55% |
|
Product 60 Month (5 Year) Certificate |
Min. Daily Balance $25.00 |
APY2 3.98% |
Member Perks APY2,3 4.24% |
New Money APY2,6 4.50% |
New Money and Member Perks APY2,3,6 4.76% |
Questions? We've got answers
In a Share Certificate, you make an opening deposit, then let your money grow undisturbed for a set period of time. Because the term is fixed, your money can grow faster at a higher rate. Terms are available in 3, 6, 12, 24, 36, 48, and 60 month intervals.
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 of less than 36 months are A-OK. There are no fees to do this.
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.
Need help?
Disclosures
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 here.
3) Member Perks: On your fourth product, take advantage of a 0.25% rate increase on Share Certificates or 0.25% decrease on fixed rate and term loans. $500 closing cost credit on first mortgage loans and $250 closing cost credit on HELOCs and RELOCs. Required products include: a savings account, a checking account, enrolled in eStatements, and one additional deposit or loan product.
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 is defined as deposits, loans, or investments not previously held at Embold. To qualify for the new money rate, at least 51% of the deposit for each Share Certificate has to include new money.