Share Certificates
Grow Your Savings with Confidence
Whether you're saving for retirement, planning for a future purchase, or looking for a secure way to earn more on your money, Share Certificates can help you work toward your goals with confidence.
Helping People Use Money to Accomplish Great Things!
Your Path to Growing Your Savings
Choose Your Term
Select a term from 6 to 60 months that fits your savings timeline.
Earn Competitive Dividends
Put your money to work while maintaining the confidence that comes with federally insured savings.
Reach Your Goals
Use your savings to help accomplish what matters most to you.
Choose the Term That Fits Your Goals
With terms ranging from 6 to 60 months, you can select an option that works best for your timeline and savings strategy.
Account Features
- Terms available from 6 to 60 months.
- Minimum opening deposit of $2,000.
- Maximum deposit of $250,000.
- Monthly dividends.
- Dividends can be compounded or deposited monthly to your Downriver CU Checking or Money Market Account.
- Flexible options for principal at maturity.
- Competitive rates designed to help your savings grow.
- Federally insured deposits for added peace of mind.
Important Information
Early withdrawal from a Share Certificate may result in a dividend penalty.
*Annual Percentage Yield. Penalty for early withdrawal. Minimum amount required to open certificate is $2,000, with a maximum of $250,000.
| Share Certificate | |||
| Effective Date: Wednesday, June 24th, 2026 | |||
| Term | Min. Amt. | Rate | APY* |
| 6 month | $2,000.00 | 0.995% | 1.00% APY |
| 12 month | $2,000.00 | 1.29% | 1.30% APY |
| 24 month | $2,000.00 | 1.489% | 1.50% APY |
| 36 month | $2,000.00 | 1.98% | 2.00% APY |
| 48 month | $2,000.00 | 1.98% | 2.00% APY |
| 60 month | $2,000.00 | 2.23% | 2.25% APY |
| *APY = Annual Percentage Yield. | |||
