7-Months Share Certi

Move your money to CAFCU and earn more

For a limited time, earn 5.50% APY on a 7-month share certificate when you transfer at least $1,000 from another financial institution to CAFCU!

Open an account today

You can open a share certificate with as little as $1,000. Here's how: 
  • Log into CAFCU's digital banking app and send us a secure message to request a new share certificate account. Please specify the term length and amount you would like to invest. Don't have our mobile app yet? Download it now to get started!
  • Call our Member Center at 1-800-359-1939 Monday - Friday from 7 a.m. to 7 p.m. CST.
  • Stop by your local CAFCU branch.

Put your money to work for you

Give yourself peace of mind knowing your money is safe and earning more, risk-free, with a CAFCU share certificate. Lock your fixed dividend rate for 6, 12, 24, or 36 months and watch your money grow!

Questions? Read our FAQ below to get all your share certificate questions answered.

You can also call us at 1-800-359-1939 Monday - Friday from 7 a.m. to 7 p.m. CST.

$1,000 minimum APY** Dividend Rate
6-month 3.25% 3.20%
12-month 3.51% 3.45%
24-month 3.76% 3.70%
36-month 4.02% 3.95%
$10,000 minimum APY** Dividend Rate
6-month 3.30% 3.25%
12-month 3.56% 3.50%
24-month 3.82% 3.75%
36-month 4.07% 4.00%
Youth Share Certificate*** APY** Dividend Rate
6-month 0.75% 0.75%

What is a share certificate?

Are share certificates a safe investment?

Can I open a share certificate online?

How can I open a share certificate if I am not near a CAFCU branch?

I'm not a CAFCU member. Can I open a share certificate?

What are my options for funding my share certificate account?

What is the minimum balance to open a share certificate?

Do your share certificate accounts have any fees?

How are your share certificate dividends calculated?

What happens when my CAFCU share certificate matures?

How can I check my share certificate balance?

When will I receive my share certificate statement?


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.

APY = Annual Percentage Yield. Promotional offer starts Feb. 12, 2024 and is valid for a limited time only. Promotional rate of 5.50% APY applies to share certificate(s) with a 7-month term with an opening balance of at least $1,000. Individual Retirement Accounts (IRAs) are excluded from this offer. “Moving your money from another financial institution” refers to transferring or depositing money not currently on deposit at CAFCU. APY is subject to change without notice. Offer not valid on existing CAFCU share certificates and funds from these accounts may not be used to get promotional rate. To qualify for the promotional rate, your accounts must be in good standing and you must open a new share certificate(s). At the end of the 7-month promotional term, share certificates will automatically renew at the standard rate offered at the time of maturity for a share certificate with a 6-month term. A 10-day grace period applies at time of maturity. Dividends are calculated daily and paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. CAFCU reserves the right to terminate this promotional offer at any time. Contact CAFCU for complete details.