Share Certificates & IRAs

Our share certificates and IRAs allow you to earn higher dividend rates for terms from 91 days to four years. A $500 minimum balance is required for each certificate and IRA amount.

BENEFITS

Earn dividends based on deposit amount and term

Terms from 91 days to four years

Deposit as low as $500 for IRAs and certificates

Must have a Share (Savings) Account

Special 36-month Youth Certificates for members under 21

HOW TO OPEN A CERTIFICATE OR IRA

Simply stop in any of our branches or call a Member Service Representative at 800-491-4309.

SHARE CERTIFICATE RATES

TermDividendAPYMinimum Deposit
91 Day0.10%0.10%$500
182 Day0.10%0.10%$500
12 Month0.15%0.15%$500
18 Month*0.15%0.15%$500
24 Month*0.20%0.20%$500
30 Month*0.20%0.20%$500
36 Month*0.25%0.25%$500
48 Month*0.30%0.30%$500
60 Month*0.35%0.35%$500

IRA RATES

TermDividendAPYMinimum Deposit
91 Day0.10%0.10%$500
182 Day0.10%0.10%$500
12 Month 0.15%0.15%$500
18 Month*0.15%0.15%$500
24 Month*0.20%0.20%$500
30 Month*0.20%0.20%$500
36 Month*0.25%0.25%$500
48 Month*0.30%0.30%$500
60 Month*0.35%0.35%$500

*0.10% less on Share Certificates that receive a dividend check.
All dividend rates and Annual Percentage Yields (APY) as of 09/3/2020 are declared by The Board of Directors of Explorers Credit Union and are subject to change anytime. A complete description of these accounts is available upon request and will be provided at account opening. Fees may reduce earnings.