Our rates on certificates are not a deal you want to miss! If you bring at least $10,000 to ValleyStar that isn’t already in an account with us – you can earn a high yield of up to 3.04% APY* on our share certificate. A share certificate is a credit union’s version of what banks call certificates of deposit (CD), and our returns are usually well above average as compared to other financial institutions. We also offer a tool for you to calculate savings on your earnings.
Share Certificate Rates Calculator
What is a Share Certificate?
A share certificate is a credit union’s version of what banks call certificates of deposit (CD). Share certificate accounts earn higher interest rates than savings accounts and money market accounts but with withdrawal limitations. They are good for people who want to commit an amount of money for a fixed period of time in exchange for a guaranteed rate of return. Our returns are usually well above average as compared to other financial institutions. Share certificates are an excellent, low-risk way to earn higher returns.
Don’t have the $10,000 minimum for the promotional rate and are looking for a safe investment in a turbulent market? We still have a term share certificate deal for you. We offer terms from six months to five years. Earnings are paid monthly and we offer these share certificates to members and non-members.
Features & Benefits of our Share Certificates
- A minimum deposit of $2,500 is required for terms outside of the promotional rate
- Terms available: 6-month, 1-year, 2-year, 3-year, 4-year, and 5-year
- Dividends are paid monthly
APY=Annual Percentage Yield. Certain restrictions apply. Offer subject to end any time without notice. Minimum balance of $10,000 to earn the APY. Other restrictions may apply. Membership eligibility is required. Does not apply to IRA certificates.