Share Certificates

Share certificates are an investment vehicle that requires a specific balance to remain on deposit for an established period of time. In return, the dividend rate is usually higher than that of other share accounts. If you want to diversify your savings portfolio, our share certificates offer competitive rates and a variety of terms. Your share certificates can even be used as collateral for a Share Certificate Secured loan if you need access to additional capital but don't want to be assessed a penalty for early withdrawal.

Funds Availability Disclosure

Dividends Paid

Dividends are added to the principal or may be credited to an account monthly by member request. All dividends are posted on the first of the month.

Check current rates

Account Benefits

  • Federally Insured through NCUA
  • Earns higher rates
  • Account may be used as collateral for a KFCU loan
  • May be purchased through KFCU Online


Monthly Service Fee 

None; however, a penalty is charged for early withdrawal.

For early withdrawal on share certificates with maturities of one year or less, the penalty is equal to the lesser of all dividends for 90 days on the amount withdrawn, or all dividends on the amount withdrawn since the date of issuance or renewal. For early withdrawal on share certificates with maturities greater than one year, the penalty is equal to the lesser of all dividends for 180 days on the amount withdrawn, or all dividends on the amount withdrawn since the date of issuance or renewal.

Minimum Deposit per Tier & Minimum Terms

$500, $5,000, $10,000, $50,000, $100,000, $200,000

Terms: 3, 6, 12, 24, 36, 48, or 60 months

Eligible for an IRA?

Yes

Renewals

All certificates will renew automatically on the maturity date and will earn dividends at the current rate. Certificates have a renewal grace period (which is 10 calendar days following the date of maturity) in which a member may make changes without a penalty.

Can this account be linked to your checking account for Overdraft Protection?

No

Access where, when, and how you like

Online Banking


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