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Share Certificates

CGFCU provides federally-insured Share Certificates as a solid alternative to volatile investments. With terms from 12 months to five years, our Share Certificates can help you reach any savings goals that you have set for yourself. 

  • Share Certificates are easy to establish with a minimum deposit of $1000.00.
  • Rates of return are guaranteed for the term.
  • There are no maintenance fees*.
  • Share Certificates can be used as collateral for low-interest loans throughout the length of the certificate.


Share Certificate Rates *APR APY
12 Months 0.10% 0.100%
24 Months 0.20% 0.200%
36 Months 0.35% 0.351%
48 Months 0.40% 0.401%
60 Months 0.50% 0.501%

Rates accurate as of 5/1/2013.

If a withdrawal of principal of your share certificate account is made prior to the maturity date of the certificate, the early withdrawal penalty is as follows:

·         If the share certificate account term is 12 months or less:
o   all accrued dividends for the last 90 days

·         If the share certificate account term is 18 months and greater:
o    all accrued dividends for the last 180 days

*Rates are subject to change without prior notice


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