Term Share Certificates
Effective as of 03/16/2020
Our Term Share Accounts are offered for multiple terms. There is a minimum deposit of $20 to open a Youth Certificate and a minimum deposit of $1,000 to open a term share account. The rates are as follows:
TERM: 3 MONTH SPECIAL
MINIMUM BALANCE: $1,000
APY*: 1.55%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 6 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.25%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 12 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.45%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 18 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.50%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 24 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.60%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 36 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.80%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 48 MONTH
MINIMUM BALANCE: $1,000
APY*: 0.95%
DIVIDEND PERIOD: Compounded & Credited Monthly
TERM: 60 MONTH
MINIMUM BALANCE: $1,000
APY*: 1.05%
DIVIDEND PERIOD: Compounded & Credited Monthly
Youth Term Share Certificates
TERM: 12 MONTH YOUTH SPECIAL
MINIMUM BALANCE: $20
APY*: 4.00%
DIVIDEND PERIOD: Compounded & Credited Monthly
Youth Certificates are available for kids from birth up to age 18. Members must have a Youth Savings Account (birth to 12 years old) or regular share savings (13-18 years old) prior to opening a Youth Certificate. Maximum amount deposited is $10,000. Maximum balance is $10,000 plus compounded yield. See disclosures for full details.
Rates effective as of 03/16/2020.Rates may change after accounts are opened, except fixed rate Term Share Accounts (Certificates). Fees may reduce earnings.
The minimum to open and obtain the APY is the minimum stated in each category. Penalty will be imposed for early withdrawal for Term Share Accounts.
Certificates listed above are also available as IRA Certificates for members with a CTCU Individual Retirement Account (IRA), except for the Youth Certificate. View Full Disclosures for details.
*APY=Annual Percentage Yield. Federally insured by the NCUA.