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Share Certificates

Earn higher dividends when you commit to saving for a specific length of time.

When you commit to saving money for a specific period of time, you can earn higher dividend rates with a Share Certificate from MTC Federal Credit Union! Share Certificates are a smart way to grow your savings plan and they can be a great option if you’re helping a child or young adult save for their future.

For both types of Share Certificates, dividends are compounded and credited quarterly.

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You don’t need a lot of money or time to take advantage of our Share Certificates! With a low opening deposit requirement and terms as short as just a few months, we make it easy to get started.

  • Minimum opening deposit of $250
  • Terms from 3 to 60 months available

Current Rates

Share Certificates

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months) Compound Dividend Rate Annual Percentage Yield (APY)
3 0.10% 0.10%
6 0.20% 0.20%
12 0.30% 0.30%
18 0.35% 0.35%
24 0.45% 0.45%
30 0.50% 0.50%
36 0.60% 0.60%
48 0.65% 0.65%
60 0.70% 0.70%

Earn big rewards on big balances. A Share Plus Certificate guarantees you an even higher rate of return when you save a larger amount of money.

  • Minimum opening deposit of $10,000
  • Terms from 3 to 60 months available

Current Rates

Share Certificates Plus

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months) Compound Dividend Rate Annual Percentage Yield (APY)
3 0.25% 0.25%
6 0.35% 0.35%
12 0.45% 0.45%
18 0.50% 0.50%
24 0.60% 0.60%
30 0.65% 0.65%
36 0.75% 0.75%
48 0.80% 0.80%
60 0.85% 0.85%

To open a Share Certificate with MTC Federal Credit Union, you must be a credit union member. Learn more. If you have questions or are ready to open a Share Certificate, please contact us at 800-442-7792, use the Open an Account form, or visit a branch near you