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 APR3 APY4
3 month .50% .50%
6 month .75% .75%
12 month .90% .90%
18 month .95% .95%
24 month 1.00% 1.00%
30 month 1.00% 1.00%
36 month 1.00% 1.00%

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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
3APR = Annual Percentage Rate, (effective 04/28/2020)
4APY = Annual Percentage Yield, (effective 04/28/2020)
All rates are subject to change without notice.