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 0.40% 0.40%
6 month 0.60% 0.60%
12 month 0.80% 0.80%
18 month 1.05% 1.05%
24 month 1.65% 1.65%
At least $5k in new money +.10%  
30 month 1.30% 1.31%
36 month 1.85% 1.86%
At least $5k in new money +.15%  

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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 8/10/2015)
2APY = Annual Percentage Yield, (effective 8/10/2015)
All rates are subject to change without notice.