Share Certificates

We offer great rates on Share Certificates, so if you’re looking for an investment that earns more than your Primary Savings Account and requires a low minimum balance of only $500, ask us about our Share Certificates today. Choose from 6-month, 12-month, 18-month, 24-month, 36-month, 48-month, or 60-month terms.

Features

  • Secure savings at above-market fixed rates

  • Choose from various terms to manage your earnings

  • Low minimum opening deposit of only $500

Certificate Rates

cert
Term Minimum Balance APY*
6 Month Share Certificate $500 2.75%
12 Month Share Certificate $500 3.25%
12 Month Share Certificate Special** $500 3.50%
18 Month Share Certificate $500 3.25%
24 Month Share Certificate $500 3.25%
36 Month Share Certificate $500 3.50%
48 Month Share Certificate $500 3.75%
60 Month Share Certificate $500 4.00%
12 Month IRA Share Certificate $500 3.50%
24 Month IRA Share Certificate $500 3.75%
*All interest rates are expressed as Annual Percentage Yield (APY). All rates, terms and conditions are subject to change without notice. Fees or other conditions may reduce earnings. For Certificates, an early withdrawal penalty may be imposed if withdrawal occurs before maturity. Certain restrictions may apply. Signia Credit Union membership is required.

**Offer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Minimum amount required to open certificate is $500.00. Maximum deposit amount with existing Signia Credit Union funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution. An early withdrawal penalty may reduce the earnings on the account. Federally Insured by NCUA.
see all rates