- Routing #: 251082495
- Call: (804) 359-8754
If you’re looking for a reliable way to grow your money without market ups and downs, a Share Certificate is a smart option. Share Certificates allow you to earn a guaranteed rate of return by depositing your funds for a fixed period of time, making them ideal for short- and long-term savings goals alike.
Whether you’re saving for a future purchase, building an emergency cushion, or simply want a predictable return, our Share Certificates help your money work harder while keeping it safe and secure.
A Share Certificate is a savings product that earns a fixed interest rate for a specific term. In exchange for leaving your money on deposit for the full term, you receive a higher rate than a traditional savings account.
Your rate is locked in for the entire term
Your earnings are predictable and guaranteed
Your deposit is safe and federally insured
✔ Guaranteed returns Know exactly how much you’ll earn
✔ Fixed interest rate Protected from rate fluctuations
✔ Flexible terms Choose a term that fits your goals
✔ Low risk A secure option for conservative savers
✔ Federally insured Deposits are insured up to applicable limits
We offer a variety of Share Certificate terms so you can choose what works best for you:
Interest on your Share Certificate is earned at a fixed rate and compounds over the life of the certificate. Depending on the option you choose, interest may be:
Your funds grow steadily, without surprises.
Share Certificates are designed to be held until maturity. If funds are withdrawn early, an early withdrawal penalty may apply. This helps maintain the higher rate offered on the account.
We’re always happy to help you choose a term that aligns with your timeline.
At maturity, you have options:
We’ll notify you before maturity so you can decide what’s best for your next step.
A Share Certificate may be a great choice if you:
Opening a Share Certificate is easy. Visit a branch or contact our team to lock in a competitive rate and start growing your savings with confidence.
View our current rates:
A Share Certificate is a savings product where you deposit money for a fixed period of time and earn a guaranteed interest rate. In return for keeping your money on deposit for the full term, you typically earn a higher rate than a regular savings account.
Unlike a regular savings account, a Share Certificate:
Share Certificates are available in a variety of short-term and long-term options. Term lengths may range from a few months to several years, allowing you to choose a timeframe that matches your financial goals.
Yes, a minimum deposit is required to open a Share Certificate. The amount may vary based on the term selected.
Interest is earned at a fixed rate for the full term of the Share Certificate. It compounds over time and is typically credited monthly or paid at maturity, depending on the option you choose.
No. Once a Share Certificate is opened, additional deposits cannot be added. If you want to save more, you would open a new Share Certificate or deposit funds into another savings product.
If you withdraw funds before the Share Certificate matures, an early withdrawal penalty may apply. This usually means forfeiting a portion of the interest earned. Specific penalties depend on the term of the Share Certificate.
At maturity, you can:
You’ll receive advance notice before maturity so you can choose the best option for your needs.
Yes. Share Certificates are a low-risk savings option and are federally insured up to applicable limits, making them one of the safest ways to grow your money.
Share Certificates are great for:
You can open a Share Certificate:
We’re happy to help you choose the best option for your goals.
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(804) 359-8754
Routing # 251082495 | NMLS#523374 | Privacy Policy
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