Share Certificate

A Share Certificate is like a certificate of deposit (CD) at a bank.  You deposit a specific amount of money for a specific time at a specific rate.  Like regular CDs, that commitment comes with an early withdrawal penalty if the CD is closed early.  At Encentus, we have a small minimum deposit of only $500 and terms from 3 months to 3 years.

Share & IRA Certficates**
Term APR1 APY2
3 month 1.00% 1.00%
6 month 1.75% 1.76%
12 month 1.85% 1.86%
18 month 2.05% 2.06%
24 month (Inversion Special)*** 2.40% 2.42%
30 month 2.40% 2.42%
36 month 2.45% 2.47%

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***This CD special allows you to increase your rate ONCE in the CD's lifetime. If we increase rates, you can decide to change your CD rate to the higher rate by 0.15% or the current rate, whichever is lower.

**Penalty may be imposed for early withdrawal
Savings Federally Insured to $250,000 by NCUA, an Agency of the U.S. Government
1APR = Annual Percentage Rate, (effective 01/01/2019)
2APY = Annual Percentage Yield, (effective 01/01/2019)
All rates are subject to change without notice.