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 10/01/2019 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 1.39%	APY¹ 1.40%
Term 12 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 1.89%	APY¹ 1.90%
Term 18 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 1.94%	APY¹ 1.95%
Term 24 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 2.08%	APY¹ 2.10%
Term 36 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 2.18%	APY¹ 2.20%
Term 48 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 2.23%	APY¹ 2.25%
Term 60 Month	Minimum to Open $500	Minimum Balance to Earn APY N/A	Dividend Rate 2.28%	APY¹ 2.30%

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Let’s Get Started

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Tools & Tips

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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.

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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.

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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.

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