Share Certificates

Our Share Certificates are offered in a variety of term options and earn a guaranteed rate for a specific amount of time. Certificates are the perfect investment for extra cash, as they typically earn better annual percentage yields than savings or money market accounts, and only require a commitment as short as 3 months.

Benefits/Good To Know
Application Process
FAQs
Tools
Compare Accounts

Benefits/Good To Know

Flexible term options from 3 months to 36 months
Earns higher monthly yields, which can be compounded or transferred to another JSC FCU checking or savings account
Safe and secure investment vehicle
Free online banking, mobile banking and telephone banking
Free eStatements

Good To Know

A minimum opening deposit of $500 is required
If a joint owner is opening a share certificate under his/her name, the primary member must also sign the share certificate form.
Certain penalties may apply for early withdrawal of funds. See complete fee schedule for more details.

Application Process

1. Online Account Opening (TP):

Online Banking Users: To open a Share Certificate account on-line: Log on to eBanking and click on the Accounts menu button. Then, click on the Open New Accounts button and select Certificate. Click "next" and continue following the decision prompts. Click here to open online.

2. Complete the Share Certificate Form:

click here to print/view application

3. Member chooses optional products:

FAQs

When are dividends paid to members?

All dividends are paid monthly except on Regular Shares (S1), Special/Additional Savings (S2), and Christmas Club (S3) which are paid Quarterly. Dividends are paid on the first day of the month for amounts accrued during the previous month.

When are dividend checks mailed to members?

Dividend checks are mailed on the first business day of each month for monthly paid accounts, and the first business day of the quarter for quarterly paid accounts.

What is the minimum balance requirement in my Savings Account to earn any interest?

The minimum balance to open a Savings Account with JSC is $5.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account. For this account, dividends will be compounded and paid quarterly.

Tools

Compare Savings Accounts

	Classic Savings Account	Christmas Savings Account	STAR Team Savings Account	CU Succeed Teen Savings Account
DESIGNED FOR:	All Members, 18+	Members who wish to save money specifically for the holiday season	Kids 12 years old and under	Teens 13-17 years old
NO Monthly Service Fee
FREE Online and Mobile Banking
FREE Mobile App
FREE ATM Card
FREE Direct Deposit
FREE E-Statements
55,000+ Surcharge-FREE ATMs Nationwide
FREE Access to Shared Branches
Bimonthly/Quarterly Educational Newsletter
Access to Exclusive Contests and Events
Minimum Opening Deposit	$5	$5	$5	$5

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Third Party Link Disclaimer - JSC Federal Credit Union (JSC FCU) does not endorse or guarantee 3rd party links. The products and services offered on 3rd party sites are not products of JSC FCU. JSC FCU cannot attest to the accuracy of information provided by the linked sites. Linking to a web site does not constitute endorsement by JSC FCU, or any of its employees, of the sponsors of the site or the products presented on the site. Other websites which you may link to from the Credit Union's site are not bound by the JSC FCU Website Privacy Policy. The calculators provide estimates only. *APY = Annual Percentage Yield. APR = Annual Percentage Rate and is accurate as of 02/06/2019. Auto Loan rates range from 3.24% APR - 13.24% APR and subject to change. All Rates are subject to change without notice. Lending rates are subject to credit approval. A fixed-rate loan for $20,000 based upon a 2.89% APR paid over 60 months would have 60 monthly payments of $358.41. All Share accounts are compounded and paid quarterly. Share Drafts are compounded and paid monthly. Rates may change after account is opened. All Share Certificates are compounded and paid monthly. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of Share Certificate deposits. Rebuild Personal Loan Rate ranges from 7.90% APR – 15.90% APR as of 05/08/2018 and subject to change. Lending rates are subject to credit approval. A fixed-rate loan for $15,000 based upon a 7.90% APR paid over 60 months would have 60 monthly payments of $303.20. $30,000 is the maximum allowable amount of unsecured loans per member. The Rebuild Personal Loan cannot be used to pay off any currently financed JSC FCU loan. **Certain restrictions apply. As of May 2009, your savings are federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. government agency.