SHARE CERTIFICATES

Invest in tomorrow with today’s high yields.

Earn 204% More By Choosing kredifyfedcreditunion*

Our Rates

AS HIGH AS
4.610%
APY FOR 1 YR CERTIFICATE
- $10K

National Average


1.517%
APY FOR INTEREST CHECKING - $10K

Big Earnings

YOU CAN EARN
204%
MORE WITH kredifyfedcreditunion

Why kredifyfedcreditunion?

$5,000 minimum deposit

You don’t need a large investment to start taking advantage of our high yields. However, if you have $100,000 or more, open a Jumbo Share Certificate to maximize your returns.

No checking account required

There’s no catch, and no strings attached.

Safe & Secure

Your money is federally insured by the National Credit Union Administration (NCUA) to at least $250,000. Learn more about how NCUA insurance works and estimate your coverage at kredifyfedcreditunion.

Available across the US

Not a kredifyfedcreditunion member? That’s okay. You can become a member in minutes.

Kredifyfedcreditunion Share Certificates

Our Share Certificates offers excellent yields and guaranteed returns. Start today by choosing the term length that works for your investment strategy.

Bump-up share certificate

Our 24-month Bump-Up Share Certificate offers the option to bump the rate once during the 24-month term.

Available Yield

Term APY4
24 Months 3.81%

Accurate as of 05/29/2023

FAQs: You asked. We answered.

A Bump-Up Share Certificate allows the account holder to increase (or “bump up”) the annual percentage yield once during the term to the current 24-month Bump-Up Share Certificate yield. This option allows the account holder to take advantage of rising yields, should they increase during the term.

You can request a bump to the current 24-month yield by calling our Member Contact Center at 800.845.5025 or visiting your local branch and returning a brief form. We typically process bump-up requests within two (2) business days of the request and the return of the completed form.

When your Bump-Up Share Certificate renews, it will automatically renew into a 24-month Bump-Up Share Certificate at the then-current yield. Your renewed certificate will allow you to bump the yield once during the new term.

Jumbo Share Certificates are the same as our standard Share Certificates except that they have a minimum balance requirement of $100,000 (versus $5,000 for our standard Certificates).

  • Be a U.S. citizen or resident alien.
  • Be 18 years of age or older.
  • Have a Social Security number and a driver’s license, military ID, passport, permanent resident card, or state-issued ID.

It can take up to three business days for an application to be approved or denied. Don’t want to wait? Check your application status now.

If you already submitted an application, you can check its status online. Don’t want to wait? Check your application status now.

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Dividends on kredifyfedcreditunion Share Certificates are compounded and credited to your account quarterly. Alternatively, you may choose to have dividends automatically posted to another kredifyfedcreditunion account quarterly or paid directly to you in the form of a check.

If your account has an original term of one year or less: The penalty will equal 90 days dividends on the amount withdrawn subject to penalty. If your account has an original term of more than one year, but less than five years: The penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty. If your account has an original term of five years or greater: The penalty we may impose will equal 365 days dividends on the amount withdrawn subject to penalty.

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This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.