IRA & Share Certificates

    Make smart moves with money.
     

    Share Certificate

    Ready to work toward a savings goal? Consider a share certificate with flexible terms you choose.

    • Up to 4.50% APY with dividends paid monthly
    • Open with $500 minimum deposit
    • Flexible terms from 3 months to 10 years
    • Automatic renewal at maturity
    • Funds federally insured up to $250,000

    NOTE: If you are interested in investment options, explore other certificate and IRAs.

    VIEW RATES

    Already a member? Open a new account through online banking.
     

    Great Rates and Flexible Terms

    Choose the deposit amount and term commitment that work for you. Earn monthly dividends on balances as low as $500. Choose a term as short as six months or as long as ten years. Dividends are paid monthly at a rate corresponding to your deposit amount and term.

    NOTE: The dividend rate and corresponding annual percentage rate (APY) for the contract period will be determined based on the purchase amount and the contract term. Dividends are paid monthly and calculated using the daily balance method. A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Fees could reduce earnings.

    VIEW RATES

    Create Credit Options

    When you have a Credit Human Share Certificate, you can keep your assets and get the credit you need when you need it. Enjoy a reduced rate by lending money to yourself with a Credit Human Secured Loans. To apply, call our Member Service Center toll free at 800-688-7228.

    NOTE: IRA Share Certificates and Liquid Share Certificates cannot be used as collateral for this loan option.

    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 free at 800-688-7228 for further information on your insured funds.

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    Certificates & IRAs

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    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.

    Get Details

    Share Certificate Rates
    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 3.36% 3.41%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.12% 4.20%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.41% 4.50%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.31% 4.40%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.27% 4.35%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.03% 4.11%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.03% 4.11%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.03% 4.11%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

    Account Balance Dividend Rate Annual Percentage Yield
    $500.00 and up 4.03% 4.11%

    Rates are effective as of December 20, 2024

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

    Credit Human Share Certificates are available with a minimum deposit of $500.

    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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.