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
¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 5/14/2020 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 $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.35%	APY¹ 0.35%
Term 12 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.50%	APY¹ 0.50%
Term 18 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.60%	APY¹ 0.60%
Term 24 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.70%	APY¹ 0.70%
Term 36 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.80%	APY¹ 0.80%
Term 48 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 0.85%	APY¹ 0.85%
Term 60 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 1.00%	APY¹ 1.00%

For the most accurate rates, tell us where you live.

Your zip code will be stored for one day. During this time, all rates on this page will reflect your current location.

Let’s Get Started

Visit a Financial Center to open a certificate

Find a location

Give us a call to open your share certificate

800.XFCU.222

Ask a question through our contact form

Tools & Tips

Article | By the Numbers Blog, Saving and Investing

Save for the Long Term

Share certificates (also known as certificates of deposit at banks) are a long-term savings tool. By agreeing to keep your money with a credit union or bank for a pre-determined length of time, you can earn higher returns than with a standard savings account.

Article | By the Numbers Blog

Save with a Purpose

Deciding to beef up your savings is a great decision, but without a clear goal, it can be difficult to actually get motivated to take action.

Article | By the Numbers Blog

Make the Most of Your Membership

You know that it pays to be a member of a credit union – that’s why you joined Xceed! While you know about tons of the perks—great rates, services, and anytime access to your funds—I bet there are a few perks that might surprise you.

View all tools »