Regular Shares

A Regular Share Account is just like a bank savings account with just a few exceptions:

  1. Purpose:  The purpose of a Regular Share account is two-fold.  Besides a place to save your money, this account is actually a required account at a credit union because it is what makes you a member of the credit union.  In fact, the minimum required balance of a Regular Share account represents your "share" or ownership in the credit union.
  2. Terminology:  Besides the name "Regular Shares," the terminology for your interest earned on the account is also different.  The account earns interest the same way as a bank savings account, but interest on a Regular Share account is called dividends.
  3. Rates:  A Regular Share account typically earns a higher dividend (interest) rate than a bank savings account.
  4. Voting Rights:  Being an owner means you get to vote on who represents you on our board of directors, so you are in control of your credit union.  That minimum balance also means you could run for our board of directors, too!    

At Encentus FCU, being a member / owner is affordable for everyone.  The required minimum balance of our Regular Share account is only $5!

  • Current Maximum APY: 0.65%
Share Savings
Balance APR1 APY2
$5.00 to $50.00 0.00% 0.00%
$50.01 to $1,000.00 0.25% 0.25%
$1,000.01 to $10,000.00 0.35% 0.35%
$10,000.01 to $50,000.00 0.55% 0.55%
$50,000.01 and over 0.65% 0.65%

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Savings Federally Insured to $250,000 by NCUA, an Agency of the U.S. Government
1APR = Annual Percentage Rate, (effective 03/31/2020)
2APY = Annual Percentage Yield, (effective 03/31/2020)
All rates are subject to change without notice.