Share Certificates

Smart, Safe and Secure

Want to invest, without risking it all in the stock market? Well then, we have the product for you!

For as little as $500, you can purchase a Share Certificate of Deposit and enjoy a competitive rate with a term of 6, 12, 24, 36 or 60 months.

Share Certificates are the federally-insured, no-risk solution for when you are looking to diversify your stock portfolio. Whether you want to want to park some cash for a rainy day, save for your children’s education or your own retirement, Choice One’s Share Certificates do it all!

Climb the Ladder

You can increase your overall certificate investment return and retain liquidity with a simple technique known as laddering. For example, instead of investing $5,000 in one certificate for 5 years, invest in 5 separate Share Certificates, by purchasing a 1-year, 2-year, 3-year, 4-year, and 5-year certificate at $1,000 each.

Each year, roll the certificate that comes due into a new higher yield 5-year certificate. This way, you will have 1/5 of your funds coming due each year, should you ever need it. And by the fifth year, all of your certificates will be receiving the highest dividend they can. That’s making money the smart, safe and secure way!

Consider the Benefits

  • Staggered maturity dates ensure you will always have access to part of your funds within one year.
  • The annual maturity dates give you the opportunity to reinvest your savings in higher yield certificates should rates go up.
  • You can ladder your maturity dates to match the timing of your financial goals, including college tuition, vacation plans, home improvements, retirement, etc.

For complete details or to purchase your Share Certificate, stop by one of three conveniently-located branches in Wilkes-Barre, Hazleton or Plains Township and get started today!

All credit union deposit accounts, including Share Certificates are insured by the NCUSIF* for up to $250,000.

* The NCUSIF is the National Credit Union Share Insurance Fund. It is a federally insured program governed by the NCUA (National Credit Union Administration).

Share Certificates

APR*APY*Info and/or Terms
0.50%0.50%Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not.
0.70%0.70%Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not
1.10%1.11%Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not.
1.40%1.41%Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
1.70%1.71%Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
2.00%2.02%Term: 60-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not

 

 

You are now leaving Choice One

Choice One Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Choice One Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL