Community Resource Federal Credit Union
Community Resource Federal Credit Union

Share Certificates

Share certificates are a secure way to grow your money.

A share certificate is a product offered by credit unions that provides an interest rate premium in exchange for the member agreeing to leave a lump-sum deposit untouched for a predetermined period of time.


  • Terms from 6 to 60 months
  • Fixed rate until maturity*
  • Federally insured by the NCUA
  • Available for IRA investment*

Depositing over $50,000?

Click here for our Super Share Certificate rates.

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.

National Credit Union Administration

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

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 are a great way to save money.

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.

A share certificate is a safer and more conservative investment than stocks and bonds, offering lower opportunity for growth, but with a guaranteed rate of return.

IRA Share Account vs IRA Share Certificates

ItemsIRA Share AccountIRA Share Certificate
RatesTiered rate structure, earn a higher rate on higher balances

See Rates
Use any of our Certificate rates and terms

See Rates
BenefitsHigh 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Funds can be withdrawn at any time (see account limits)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
*Funds cannot be withdrawn from IRAs until the owner is 59 ½ years old without penalty.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). 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.  Effective date 7/1/2022