Savings Certificates Rates

BUMP UP Your Rate with Sharefax Savings Certificate!

If our rates go UP, yours can too!

*Account requirements: This offer is available on 3 year, 4 year, and 5 year savings certificates. Certificates will be opened and interest will accrue as of the date funding is received. The savings certificate is subject to early withdrawal penalties. During the term of this savings certificate, the certificate owner has the option to request a rate adjustment during each 12 month period to the current Sharefax rate being offered for the same term as when purchased. Only one rate bump is permitted during a 12 month period. The first rate bump cannot take place until the certificate is over a year old.  (If the certificate was purchased on 8/31/2021, it would not be eligible until 9/1/2022). The rate bump request must be received by mail or email

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Savings Certificates

Rates are subject to change. Please check with a Member Service Representative.

Updated 8/1/2022Min.RateAPYSilverAPYGoldAPY
3 Months$500.75%.75%.95%.95%1.00%1.00%
6 Months$5001.00%1.00%1.20%1.21%1.25%1.26%
12 Months$5001.25%1.26%1.45%1.46%1.50%1.51%
15 Months$5001.30%1.31%1.50%1.51%1.55%1.56%
2 Years$5001.50%1.51%1.70%1.71%1.75%1.76%
3 Years*$5001.75%1.76%1.95%1.97%2.00%2.02%
4 Years*$5002.00%2.02%2.20%2.22%2.25%2.27%
5 Years$5002.10%2.12%2.30%2.32%2.35%2.38%
80 Month$15,0002.30%2.32%2.50%2.53%2.55%2.58%
Prime Advantage 18 Months$5003% below Prime Rate (cannot decrease, only rise)
*BUMP CDsRequires a minimum balance of $10,000.00.

Regular Certificate APY reflects $500 minimum deposit.

Business Benefits members do not qualify for Silver/Gold Savings Certificate rates.

SHAREFAX CERTIFICATE MATCH: If you are a “Gold” or “Silver” member and happen to find a higher savings certificate rate at another local financial institution when renewing or purchasing a CD, please ask your Sharefax representative if the credit union will match the rate.  Sharefax’s goal is to always offer the best value possible to our members.