Have your money work smarter


Make your money work for you with a Share Certificate.

CAFCU offers some great savings options at competitive rates. Giving you peace of mind that your money is safe and working for you! Lock in a fixed dividend rate for 6-, 12-, 24- or 36-months at higher rates than Regular Share or Money Market Accounts.

The benefits of a Share Certificate include:

  • Higher rates of return than regular savings
  • Fixed, predictable rates of return
  • Safe. Federally insured up to $250,000 by NCUA
  • Affordable. Only $1,000 minimum investment
  • Flexibility. Wide selection of terms from 6 to 36 months*
  • Tiered rate structure – the more money you save in your account, the higher dividends you’ll earn*
  • Convenient automatic renewal
  • Dividends calculated daily, paid monthly

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

‚ÄčNote:  You must be a current CAFCU member to open an account online.


$1,000 minimum APY** Dividend Rate
6-month 2.02% 2.00%
12-month 2.43% 2.40%
24-month 2.58% 2.55%
36-month 2.79% 2.75%
$10,000 minimum APY** Dividend Rate
6-month 2.07% 2.05%
12-month 2.48% 2.45%
24-month 2.63% 2.60%
36-month 2.84% 2.80%
Youth Share Certificate*** APY** Dividend Rate
6-month 0.35% 0.35%

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.