Share Certificates

Fixed Rates, Steady Returns.

Competitive share certificate rates can build your savings and diversify your portfolio. Throughout the year, our Share Certificates provide high-yield savings through fixed rates with a variety of term options.

  • Open with as little as $500
  • Dividends paid quarterly
  • Transfer dividends to your Xceed personal checking or savings

Now through March 30, 2018 we're offering 1.50% APY* on our 15-month share or IRA share certificate and 2.25% APY** on our 30-month share or IRA share certificate! To open your new certificate, call 800.XFCU.222 (800.932.8222) or stop by your nearest Xceed Financial Center.

*APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 15 month certificate, including dividends will automatically renew into a 12 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

**APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 30 month certificate, including dividends will automatically renew into a 24 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

Sources: https://www.esl.org/personal/savings/certificate-options/certificates and https://www.chase.com/personal/savings/bank-cd/interest-rates

Make your retirement dreams a reality. We offer a wide variety of Individual Retirement Accounts (IRAs) to help you achieve your goals.

  • Traditional or Roth
  • Annual contributions may be tax-deductible or tax-free
  • Withdrawals at age 59½ and older may be penalty-free
  • Funds are NCUA-insured up to $250,000
  • Dividends paid quarterly

Now through March 30, 2018 we're offering 1.50% APY* on our 15-month share or IRA share certificate and 2.25% APY** on our 30-month share or IRA share certificate! To open your new certificate, call 800.XFCU.222 (800.932.8222) or stop by your nearest Xceed Financial Center.

*APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 15 month certificate, including dividends will automatically renew into a 12 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

**APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 30 month certificate, including dividends will automatically renew into a 24 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

Sources: https://www.esl.org/personal/savings/certificate-options/certificates and https://www.chase.com/personal/savings/bank-cd/interest-rates

You’re a fan of our share certificates because you like the low risk they offer. But you also don’t want to lose out if interest rates go up. Great news! Our new 36-month variable rate share and IRA share certificates give you both—the safety of a traditional certificate, with the potential for a higher rate of return.

Here’s how it works:

  • You start out earning 1.79% APY*
  • Each May, we recalculate your rate by adding 0.75% to the one-year U.S. Treasury bill rate in effect on April 15
  • Even if the one-year U.S. Treasury bill rate decreases, your dividend rate won’t fall below 0.75% during the term

To open your new certificate, stop by your local Xceed Financial Center, or call us at 800.XFCU.222 (800.932.8222).

*APY (Annual Percentage Yield) is current as of 1/3/2018. The dividend rate and APY may change after the account is opened. $10,000 minimum balance required to earn the APY and to open the account. The dividend rate for the variable rate Certificate will never exceed 3.00% and/or fall below .75% during the certificate term. Personal accounts only. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. At maturity, the certificate, including dividends, will automatically renew into a non-variable rate 36-month share certificate account or non-variable rate 36-month IRA share certificate account (as applicable) at the current rate and terms on that date, unless you instruct us otherwise in person or in writing before the end of the grace period. Rates, terms, and conditions subject to change at any time. Certificate is a promotional product and may be discontinued at any time. Ask an associate for details. Promotional offer cannot be combined with any other offer. 

Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
6 Month $500 n/a 0.60% 0.60%
12 Month $500 n/a 0.90% 0.90%
15 Month (Promo) $500 n/a 1.49% 1.50%
18 Month $500 n/a 1.05% 1.05%
24 Month $500 n/a 1.24% 1.25%
30 Month (Promo) $500 n/a 2.23% 2.25%
36 Month $500 n/a 1.39% 1.40%
36 Month Variable* $10,000 n/a 1.78% 1.79%
48 Month $500 n/a 1.64% 1.65%
60 Month $500 n/a 1.99% 2.00%

Fees incurred may reduce earnings on these accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends.

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 1/3/2018 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

*The dividend rate and APY may change after the account is opened.