​Share Certificate

Make your money work harder for you with a Share Certificate.

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
  • Safety. 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

Ready to take your savings to the next level? Open a Share Certificate today!

Log In to Open Account

​Note: You must be a current CAFCU member to open an account online.

$1,000 minimum APY** Dividend Rate
6-month 0.25% 0.25%
12-month 0.35% 0.35%
24-month 0.40% 0.40%
36-month 0.60% 0.60%
$10,000 minimum APY** Dividend Rate
6-month 0.30% 0.30%
12-month 0.40% 0.40%
24-month 0.45% 0.45%
36-month 0.65% 0.65%


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.