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.



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

Share Certificate Rates
Balances^TermDividend RateAPY*
$500 minimum6 months1.30%1.31%
$100,000 minimum6 months1.80%1.81%
$500 minimum12 months1.95%1.96%
$100,000 minimum12 months2.20%2.22%
$500 minimum20 months (Bump Up)2.05%2.07%
$100,000 minimum20 months (Bump Up)2.20%2.22%
$500 minimum24 months2.20%2.22%
$100,000 minimum24 months2.35%2.37%
$500 minimum36 months2.50%2.52%
$100,000 minimum36 months2.55%2.57%
$500 minimum48 months2.70%2.73%
$100,000 minimum48 months2.80%2.83%
$500 minimum56 months (Bump Up)2.85%2.88%
$100,000 minimum56 months (Bump Up)2.95%2.98%
$500 minimum60 months2.95%2.98%
$100,000 minimum60 months3.05%3.09%

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

Young Adult Accumulator Share Certificate Rates
Balances^TermDividend RateAPY*
$50 minimum24 months2.20%2.22%

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. 

+Limited time offer that may be withdrawn at any time. *Annual Percentage Yield (APY) is valid as of 07.01.18 and assumes quarterly
compounding. Minimum balance to open this Certificate and earn the stated APY is $500 in new money. New money is defined as
money that was not on deposit with Interior Federal Credit Union at or within 90 days prior to account opening. Money must remain on
deposit for length of time specified to earn stated APY. Upon maturity, this Certificate will automatically renew in 12-month intervals
earning the then current APY of the traditional 12-month Certificate. Penalty for early withdrawal. Fees may reduce earnings. Offer is
restricted to consumer accounts only and is not valid for brokered deposits, institutional investors, or public funds. IRAs are eligible.

Federally Insured by NCUA

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