Share Certificate






An Interior FCU Share Certificate will earn you a higher return on your savings, and will allow you to set money aside for a specific period of time.  Investing money can be risky, take away that risk and earn guaranteed savings with a 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.

Our Sweet Deal just got better.  Now, that’s a Sweet Deal!

Share Certificates           Jumbo Certificates     
Terms (Months) Previous APY Current Sweet Deal  APY    Terms (Months)  Previous APY   Current Sweet Deal APY
 12  1.26%  1.51%   12 1.31% 1.56%
20 1.36% 1.61%   20 1.41% 1.66%
 24  1.51%  1.76%   24 1.56% 1.81%
36 1.86%  1.86%   36 1.92% 1.92%
48 2.02%  2.02%   48 2.12% 2.12%
56 1.86% 2.12%   56 1.92% 2.17%
60 2.37% 2.37%   60 2.42% 2.42%



Maximize Your Earnings with our Jumbo Share Certificate.  A Jumbo Share Certificate is simply a bigger version of a regular certificate that requires a larger amount of funds to open it. Our requirement is a minimum balance of $100,000.

Go “Jumbo” and get the most from your investments.

  • Offers a low-risk investment opportunity and peace of mind by guaranteeing that initial deposit is protected, no matter what happens in the economy.
  • Provides higher returns than traditional certificates, saving accounts, and many other low-risk investments.
  • Rate remains the same throughout the term of the certificate.

Offers flexible terms from 6 months to 60 months.


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
This product is available for Little Buffalos Accounts, Teen Accounts, and Young Adult Accounts only. 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

Current Rates

Balances**TermDividend RateAPY*
$500 minimum6 months0.75%0.75%
$100,000 minimum6 months0.80%0.80%
$500 minimum12 months^1.50%1.51%
$100,000 minimum12 months^1.55%1.56%
$500 minimum20 months (Bump Up)^1.60%1.61%
$100,000 minimum20 months (Bump Up)^1.65%1.66%
$500 minimum24 months^1.75%1.76%
$100,000 minimum24 months^1.80%1.81%
$500 minimum36 months^1.85%1.86%
$100,000 minimum36 months^1.90%1.92%
$500 minimum48 months^2.00%2.02%
$100,000 minimum48 months^2.10%2.12%
$500 minimum56 months (Bump Up)^2.10%2..12%
$100,000 minimum56 months (Bump Up)^2.15%2.17%
$500 minimum60 months^2.35%2.37%
$100,000 minimum60 months^2.40%2.42%
^Rates include the Sweet Deal offer (additional .25% APY*).

Accumulator Share Certificates are available for: Little Buffalos Accounts, Teen Accounts, and Young Adult Accounts.

Balances^TermDividend RateAPY*
$50 minimum24 months1.50%1.51%

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. Limitation of $5 million in total new share certificates for this promotion; the $5 million limit may be reached prior to December 31 causing the offer to end at that time. Special offer is only good on 12 months or greater share certificates. Accumulator share certificates are excluded from Sweet Deal offer. Minimum balance $500 in order to earn dividends. All deposit rates and terms are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Offer ends December 31, 2017.

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