股票 put your money to work 24/7
股票, 也称为“证书”,” are a type of savings account that lets you lock in a fixed rate for a future return, usually at higher rates than regular savings accounts.
你能挣多少钱, which is indicated by the APY (Annual Percentage Yield), 根据条款不同而不同. Choose short-term, long-term or a mix of both.
It’s easy and there are no fees. Simply deposit a minimum of $250 and pick your terms. Then sit back, relax and watch the savings roll in.
- 条款 ranging from 6 to 84个月
- Zero fees — an early withdrawal penalty may be imposed
- Get started with as little as $250
- 由NCUA联邦保险
特别竞争价格
7个月
4.75%的年*
13个月
4.50%的年*
开放的今天
How to choose a Share Certificate term length
Certificates hold funds until their maturity date, which makes them great vehicles for saving. They act like temporary locks on your money so you can’t spend it, all while giving you a great return. 因为资金被锁定了, it’s best to carefully consider the term length and when you’ll have access to your money again.
短期证书 当:
- You’ll need the funds in the near future.
- You want more flexibility and frequent access to your cash.
长期的证书 当:
- You’re saving for a big purchase that you plan to make in a few years
- You have other emergency funds and are confident you won’t need the money soon.
第三种选择 is to get the best of both worlds by dividing your money between short-term certificates and long-term certificates, creating a certificate “ladder.”
股票费率
| 术语 | 年%* |
|---|---|
| 6个月 | 2.75% |
| 7个月 | 4.75% |
| 12个月 | 2.50% |
| 13个月 | 4.50% |
| 18个月 | 3.15% |
| 术语 | 年%* |
|---|---|
| 24个月 | 2.75% |
| 36个月 | 2.65% |
| 48个月 | 2.50% |
| 60个月 | 2.50% |
| 84个月 | 2.50% |
常见问题
股票 (certificates) and certificates of deposit (CDs) have a lot in common. Both hold funds for a specified term length and earnings are a fixed percentage. However, share certificates are offered only by credit unions. 作为合作社, credit unions provide certificates as shares in the cooperative, and earnings are paid in the form of dividends. Share certificates are often insured by the NCUA. CDs may be offered by credit unions or banks. Earnings are paid in the form of interest. CDs may be insured by the NCUA or FDIC.
You may close your certificate early, but penalty fees may apply. 请打电话给 800.562.0999 或访问 离你最近的分行 寻求帮助.
No. Funds cannot be added to 股票 once they’ve been created. However, you can open multiple 股票.
股票 automatically renew upon maturity for the same term length unless otherwise specified. If you wish to cash out or open a new certificate with a different term length, select “Change Certificate Maturity Options” in your Share Certificate account in Online and Mobile 银行, 或访问 离你最近的分行 寻求帮助.
是的. 请打电话给 800.562.0999 或访问 离你最近的分行 寻求帮助.