Liquid Share Certificate

Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.

  • Up to 2.20% APY with dividends paid monthly
  • Open with $5,000 minimum deposit
  • Fixed, 1-year term with unlimited deposits and two allowed withdrawals
  • Funds federally insured up to $250,000

Note: If you wish to save or invest with additional flexibility, explore more certificate and IRAs.


Great Rates and Terms that Enable Access

Your Credit Human Liquid Share Certificate lets you make a fixed, 1-year term commitment and earn monthly dividends and an annual percentage yield (APY) on balances of $5,000 or more. Make unlimited deposits during the year commitment. You can also make two, no-penalty withdrawals during the term as long as you maintain a minimum balance of $5,000.

Note: The dividend rate and corresponding annual percentage rate (APY) for the contract period will be determined based on the purchase amount. The dividend rate will not change during the 1-year contract term. Dividends are paid monthly and calculated using the daily balance method. Beyond the two allowed withdrawals, a penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Fees could reduce earnings.


Your Insured Funds

As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.

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Liquid Share Certificate Rates

Account BalanceDividend RateAnnual Percentage Yield
$5,000.00 and up2.18%2.20%

Rates are effective as of May 17, 2019

A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.

Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.

Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

Credit Human 12-Month Liquid Share Certificates are available with a minimum deposit of $5,000.