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What is a share certificate?

Certificates provide a safe and secure way to save and grow your money.

How does a share certificate work? A share certificate works similar to a savings account. You deposit money and collect dividends, but you have a set opening deposit and need to keep the money in the account for a specified amount of time. Share certificates often earn a higher rate than savings accounts.

  • Choose from 3, 6, 12, 18, 24, 36, 48 and 60-month terms.
  • Minimum balance as low as $500.
  • Competitive rates with dividends paid monthly.
  • Open a certificate online or visit any Interra office.
  • Hurry! Now offering a 7, 10, 17 and 30 month fixed rate Share Certificate special. See below for details.

30 Month Share Certificate Special

A fixed rate share certificate special available for a limited time. 

Qualifications include5,6:

  • $500 minimum opening deposit
  • See rate here
  • Open to consumer, business and public funds 
  • Limited time offer

17 Month Share Certificate Special

A fixed rate share certificate special available for a limited time. 

Qualifications include7,8:

  • $500 minimum opening deposit
  • See rate here
  • Open to consumer, business and public funds 
  • Limited time offer

10 Month Share Certificate Special

A high-yield fixed rate share certificate special available for a limited time. 

Qualifications include3,4:

  • A high-yield fixed rate during the share certificate 10 month term
  • $10,000 minimum opening deposit
  • See rate here
  • Open to consumer, business and public funds 
  • Limited time offer

7 Month Share Certificate Special

A competitive fixed rate share certificate special available for a limited time.

Qualifications include1,2:

  • A fixed rate during the share certificate 7 month term
  • $500 minimum opening deposit; $5 million maximum deposit
  • See rate here
  • Open to consumer, business and public funds
  • Limited time offer

What is a Share Certificate?

A share certificate is a secure way to save and grow your money. It guarantees a specified dividend rate over a set period of time.

How does a share certificate work?

A share certificate works similar to a savings account. You deposit money and collect dividends, but you have a set opening deposit and need to keep the money in the account for a specified amount of time. Share certificates often earn a higher rate than savings accounts.

Is a share certificate the same as a CD?

The only difference between a share certificate and a CD is that a share certificate is issued by a credit union rather than a bank.

Should I get a share certificate?

Share certificates are an excellent way to earn extra money without having to do much work. It is also low risk.

Compare Two Certificates
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What Makes a Credit Union Different?

Interra Credit Union is a member-owned, not-for-profit financial cooperative (also called a co-op). This means that our members pool their savings, borrow, and obtain related financial services together. Members are therefore united by a common bond and democratically operate the credit union.

1Annual Percentage Yield (APY). Share Certificate Special available to all members of Interra, including Public Funds. Minimum to open and earn dividends is $500; maximum is $5 million. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership qualifications apply. 2Upon maturity, this share certificate will automatically renew at a 6 month term at the then prevailing APY for that term. 3Annual Percentage Yield (APY). 10 month Share Certificate Special available to all members of Interra and Public Funds, excluding IRA. Minimum to open and earn dividends is $10,000; with no maximum. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership qualifications apply. 4Upon maturity this share certificate will automatically renew at a 6 month term at the then prevailing APY for that term. For certificates, you must maintain a minimum daily balance of $10,000 in your account each day to obtain the disclosed annual percentage yield. 5Annual Percentage Yield (APY). 30 month Share Certificate Special available to all members of Interra and Public Funds, excluding IRA. Minimum to open and earn dividends is $500 with no maximum. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership qualifications apply. 6Upon maturity this share certificate will automatically renew at a 24 month term at the then prevailing APY for that term. For certificates, you must maintain a minimum daily balance of $500 in your account each day to obtain the disclosed annual percentage yield. 7Annual Percentage Yield (APY). 17 month Share Certificate Special available to all members of Interra and Public Funds, excluding IRA. Minimum to open and earn dividends is $500 with no maximum. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership qualifications apply. 8Upon maturity this share certificate will automatically renew at a 12 month term at the then prevailing APY for that term. For certificates, you must maintain a minimum daily balance of $500 in your account each day to obtain the disclosed annual percentage yield.