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Share Certificates - Money that's mature.


Open a certificate today to advance your savings plan.


Our Share Certificate Accounts help 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. 

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

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

Share Certificate Rates

Term Rate APY*
6 Month 0.90% 0.90%
12 Month 1.00% 1.00%
18 Month 1.05% 1.06%
24 Month 1.09% 1.10%
30 Month 1.14% 1.15%
36 Month 1.19% 1.20%
48 Month 1.24% 1.25%
60 Month 1.29% 1.30%

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

All Military/Law Enforcement/Firefighters/EMS receive an additional .25% to all Share Certificates.

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


*APY= Annual Percentage Yield. 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 10/01/18.