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 1.69% 1.70%
6 month 2.19% 2.21%
12 month 2.79% 2.82%
18 month 2.79% 2.82%
24 month 2.79% 2.82%
30 month 2.79% 2.82%
36 month 2.79% 2.82%

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**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 04/09/2019)
2APY = Annual Percentage Yield, (effective 04/09/2019)
All rates are subject to change without notice.