Share Certificates

Lock in a terrific rate, and watch your money grow quickly and safely with our Share Certificate Accounts.

Earn 5.25% APY with our special 7-month certificate.

At Central Credit Union, it's now easy to earn a higher return on your money. If you'd like to earn more, move your money to the credit union, and earn 5.25% APY* with our 7-month certificate.

$1,000 minimum opening deposit with a maximum deposit of $10,000 per member. Funds must be new to the credit union. Your dividends will be compounded and paid monthly, and as always, your credit union savings will be federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. Government agency.

Call (708) 649-6410, or stop by one of our locations to open your account.  To join Central Credit Union, click here.  Offer ends January 31, 2024.


*APY=Annual Percentage Yield. A minimum daily balance of $1,000 is required to earn the stated APY. Early withdrawals are subject to a dividend penalty. Dividends will be compounded and paid monthly. Upon maturity, certificates will automatically roll over into 12-month certificate accounts, unless you direct the credit union to do otherwise. Certificates cannot be funded from existing Central Credit Union accounts. A maximum of $10,000 total in 7-month certificates per member account is allowed with this offer. 7-month certificate accounts must be opened by phone or in person at one of the credit union's locations.


Open your Share Certificate Account today with a low $1,000 minimum opening deposit and...

  • Choose a 6-, 12-, 30- or 60-month term
  • Earn a great rate of return with our certificate rates
  • Enjoy dividends that are compounded and paid monthly
  • Select an IRA or Coverdell Education Savings Account, if you choose
  • Automatically renew your certificate upon maturity
  • Feel secure knowing your deposits are federally insured

Start saving for retirement. Open your Share Certificate Accounts as IRAs. Your certificates can be opened as either traditional or Roth IRAs. For more information about IRAs, call Member Services at (708) 649-6410.

If you are saving for education expenses, you can also open your Share Certificate Accounts as Coverdell Education Savings Accounts. For more information, click here or call Member Services at (708) 649-6410.

Your savings are federally insured by the National Credit Union Administration, a U.S. Government agency.