Share Certificates

If you’re interested in earning a higher guaranteed return on your savings and can set money aside for a specific period of time, we recommend opening an Interior FCU Share Certificate.

  • Minimum opening deposit: $500
  • Terms up to 60 months

All certificate lengths are also available as Traditional or Roth IRA Certificates, Coverdell Education Savings Account Certificates, and Health Savings Account Certificates. Simply fund the certificate from your IRA Retirement Account, Education Savings Account, or Health Savings Account.

Normally, a certificate offers you a guaranteed rate of return for a specific period of time. With a Bump-Up Share Certificate, you have the chance to “bump up” your rate when dividends rise during your term!

  • Available for 20 month or 56 month share certificate
  • Available on all IRA and Health Savings Account share certificates
  • Penalty fees may apply

Members ages 18 to 26 can take advantage of our competitive rates with a lower minimum opening deposit! You can add to your certificate at any time during the term.

  • Minimum $50 to open
  • Minimum deposit of $25
  • Available for 24 month term

Learn more about our other Young Adult accounts.

Current Rates

Balances^TermDividend RateAPY**
$500 minimum6 months0.55%0.55%
$500 minimum12 months1.05%1.06%
$500 minimum20 months (Bump Up)1.25%1.26%
$500 minimum24 months1.41%1.42%
$500 minimum36 months1.50%1.51%
$500 minimum48 months1.65%1.66%
$500 minimum56 months (Bump Up)1.75%1.76%
$500 minimum60 months2.00%2.02%
Balances^TermDividend RateAPY*
$50 minimum24 months1.31%1.32%

Links within this calculator lead to a third party site, Interior FCU does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites.


If you’re currently a member, you can open your Certificate through online banking.  Once logged in, select Apply Online, Open an Account, Open a Deposit/Secondary Deposit Account.

To open a certificate, you must have a Primary Savings Account. Learn more about becoming a member.  


^Member must contact the Credit Union to request the bump up of their rate. Additional funds cannot be added when the bump up option has been exercised. Minimum of $500 and no maximum. Fees may reduce the earnings. A penalty may be imposed for early withdrawal. For updated information or disclosure, inquire at any branch office or call 800.914.8619. Option not available for share certificates secured loans. 

*APY=Annual Percentage Yield

Online Banking

Money Market Accounts


Looking for other savings options? We also offer Money Market accounts.