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Share certificates are a secure way to grow your money.

Community Resource offers Share certificates which are similar to a bank certificate of deposit (CDs) except they are exclusively offered by credit unions. Share certificates are low-risk, and can be opened for as little as $500.

With a Share Certificate Account you can watch your money grow! You can choose from a variety of terms and rates to fit your financial plan. A Share Certificate account generally earns a higher rate of return than our regular savings and money market accounts.

IRA Share Certificates

With an IRA Share Certificate, you can lock in the rates of a Certificate which are the benefits of an IRA. Therefore, you receive high yields, paid monthly, while your earnings are tax-deferred until you begin making withdrawals.

Benefits of a Share Certificate

  • Tiered balance rate structure*
  • $500 minimum deposit
  • Terms from 3 to 60 months
  • Fixed rate until maturity*
  • Federally insured by the NCUA
  • Available for IRA investment*

Deposits are Federally Insured up to $250,000 by the National Credit Union Administration.

Depositing over $50,000? Click here for our Super Share Certificate rates.


We’ll make it easy to set up an Individual Retirement Account (IRA).

An IRA allows you to save a portion of your earnings during your working years for use during your retirement. An IRA is similar to regular savings; however, dividends earned are exempt from federal and state income taxes until withdrawn. Participation in this program is subject to rules and guidelines as enacted by Federal Legislation.

Whether you’re saving weekly or have a lump sum annual contribution, CRFCU offers a wide range of IRA options to meet your needs including: Traditional, Roth and Health Savings Account (HSA). We offer competitive dividend rates with no maintenance or set-up fees.


IRA Share Account IRA Share Certificate  HSA’s

Tiered rate structure, earn a higher rate on higher balances

See Rates

Use any of our Certificate rates and terms

See Rates

A Health Savings Account (HSA) is a type of personal savings account that helps those with qualified high-deductible health plans (HDHPs) save money on many out-of-pocket medical expenses like doctor visits, vision and dental care, and prescriptions.
  • High rate of return
  • Funds can be withdrawn at any time (see account limits)
  • No administration fees
  • Higher rate of return, based on term selected
  • No administration fees
  • How much money to save in your account (up to the IRS contribution limit)
  • Which qualified medical expenses to pay with your HSA


Funds cannot be withdrawn from IRAs until the owner is 59 ½ years old without penalty. At 70 ½ years old you must start taking funds. This is called required minimal distribution (RMD).


Contact a Financial Service Representative at 518.783.2211 to open a Share Certificate.


*Savings rates are variable and are subject to change at the discretion of the Board of Directors. Annual percentage yields are based on the reinvestment of principal and interest for one full year. Dividends are compounded and paid monthly. A penalty will be imposed for early withdrawal on certificates including IRA Certificates. Minimum to open and obtain APY for these Share Certificates is $500. Fees may reduce earnings. Certificate Renewal Policy: Share Certificates automatically renew at the time of maturity. CRFCU will provide 30 days notice prior to the maturity date. If you do not contact CRFCU on or before the maturity date, the account will renew with the following terms, at the rate current at the time of renewal. For certificates with maturities of greater than 90 days, you will have a 7-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please refer to your Terms and Disclosures for more detailed savings information. Annual Percentage Yields shown are effective as of 1/1/2022.