Make your money work for you

Give yourself peace of mind knowing that your money is safe and working for you. We offer our members several options for share certificates at competitive rates. 

What is a share certificate?

Similar to a certificate of deposit (CD) offered by a bank, credit union share certificates empower members to set aside money for specific periods of time in higher-yield savings accounts. The longer the term of your certificate, the higher the annual percentage yield (APY) you'll typically receive (view current rates below).

Lock in your fixed dividend rate for 6, 12, 24, or 36 months at a higher rate than other savings accounts and you'll save more over time!

With a CAFCU Share Certificate, you'll enjoy:

  • A fixed, predictable interest rate tied to the tier you choose.
  • A sense of security with the backing of federal NCUA insurance up to $250,000
  • A minimum $1,000 investment, with higher yields on deposits over $10,000
  • Flexible terms starting at just 6 months*
  • Convenient, automatic renewal at the end of your term
  • Dividends calculated daily and paid monthly

Open your CAFCU Share Certificate today

Get started at your nearest branch or call our Member Center at 1-800-359-1939 Monday - Friday from 7 a.m. to 7 p.m. CST.


$1,000 minimum APY** Dividend Rate
6-month 2.53% 2.50%
12-month 3.20% 3.15%
24-month 3.56% 3.50%
36-month 3.82% 3.75%
$10,000 minimum APY** Dividend Rate
6-month 2.58% 2.55%
12-month 3.25% 3.20%
24-month 3.61% 3.55%
36-month 3.87% 3.80%
Youth Share Certificate*** APY** Dividend Rate
6-month 0.50% 0.50%

For more information or questions connect with us:

*Penalties apply for early withdrawal of funds. See "Important Account Information for our Members" disclosure for complete details. 
**APY = Annual Percentage Yield.