SHARE CERTIFICATES

My share

Xceed Share Certificates

Build your savings. Diversify your portfolio. All through the year, our Share Certificates offer high-yield savings with fixed rates and lots of term options.

Open with as little as $500
Make a deposit or transfer funds from another institution to get started

Choose a variety of terms, from 6 to 60 months
Earn quarterly dividends
Be confident that your savings are federally insured up to $250,000

Today’s Rates

Share Certificates

Term	Minimum to Open	Minimum Balance to Earn APY	Dividend Rate	APY¹
Open a share certificate Already a member? Apply now Not a member yet? Apply now Learn About the Xceed/Kinecta Merger ¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 4/1/2021 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time. Fees incurred may reduce earnings on these accounts. There is a penalty for early (premature) withdrawal of certificate funds other than dividends.
Term 6 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 0.35%	APY¹ 0.35%
Term 12 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 0.50%	APY¹ 0.50%
Term 24 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 0.70%	APY¹ 0.70%
Term 36 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 0.80%	APY¹ 0.80%
Term 48 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 0.85%	APY¹ 0.85%
Term 60 Month	Minimum to Open $250	Minimum Balance to Earn APY N/A	Dividend Rate 1.00%	APY¹ 1.00%

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