Home : Certificates of Deposit
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*Annual Percentage Yield, penalties apply for early withdrawal

: Share Certificates :

Share Certificates are a safe way to maximize dividend earnings and return on savings, by making a deposit of monies for a specified period of time at a specified dividend rate. Dividend rates increase as the length of deposit is extended. A Share Certificate from SoAFCU will help you realize your personal financial management plan. If you are new to personal financial planning a Share Certificate can help you start establishing a personal financial management plan. Share Certificates help members accumulate money for education, retirement, or vacations.

You can use Share Certificates to to safely invest the proceeds from the sale of a house, securities, or an inheritance. If you keep over $500 in your Share Savings account consider the higher return you can receive on one of our Share Certificates. Members benefit from the following:

  • Share Certificates are federally insured by the NCUA.

  • Dividends are paid monthly - the higher the balance the higher the return.
  • Minimum deposit is $500.
  • Maturities ranging from 3 months to 7 years.
  • Guaranteed higher rates for the term of the certificate - longer the term the higher the rate.
  • Dividends may be transferred to checking or savings, withdrawn without penalty at maturity, or automatically mailed monthly.
  • Dividends may be withdrawn before maturity without penalty however, no dividends will be paid on the amount withdrawn.
  • Early withdrawal results in a variable penalty depending on the CD term. Please contact member services for specific information.
  • Certificate funds may be used as collateral on Share/Certificate Loans.
  • Payment deposits may be made at any location. Click here to see our rates.
  • Click here to find out what your can earn for a given period of time at a given interest rate.