800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Share Certificates

Share Certificates offer a secure, predictable way to grow your savings with fixed terms and guaranteed dividends. Lock in competitive rates and plan with confidence, knowing your earnings are steady and reliable. A disciplined approach to building long-term financial health.
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Quick Facts

What sets our Share Certificate accounts apart

Ready to work toward a savings goal? Consider a Share Certificate with flexible terms you choose.

  • Competitive dividends paid monthly
  • Open with $500 minimum deposit
  • Flexible terms from three months to 10 years
  • Automatic renewal at maturity
  • Funds federally insured up to $250,000
Compare to Liquid Share Certificates
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Put your savings to work—on your terms

Choose a term that fits your goals and start earning predictable dividends along the way. It’s a simple way to stay committed to saving and make steady progress over time.

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Access to credit

Create credit options while you earn dividends

When you have at least $1,000 in a Credit Human Share Certificate, you can keep your savings and access the credit you need when you need it. Enjoy a reduced rate by borrowing against your savings with a Share Certificate Secured loan from Credit Human.

Learn about Share Certificate Secured loans
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Our commitment to you

No jargon. No lectures. Just banking with purpose.

You’re more than an account at Credit Human. You’re an integral part of our vibrant community, and we’re here to walk with you every step of your financial journey. Credit Human is a not-for-profit credit union that prioritizes people and the planet over profits, which is why we can offer higher dividend rates on our Share Certificates. When your savings grow you're more prepared for the unexpected, so you can feel less financial stress. Because when stress fades, people shine.

We like to think of ourselves as a different kind of credit union—and it’s a difference you can feel.

See how we help improve financial health
Account Opening

Open a Share Certificate today

With terms from three months to 10 years, and a $500 minimum deposit, choose the rates that fit your personal goals.

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Share Certificate rates

Rates effective as of 08-14-2026

Term Account balance Dividend rate APY
3 - 5 months $500.00 and up 3.01% 3.05%
6 - 11 months $500.00 and up 3.74% 3.80%
12 - 17 months $500.00 and up 3.78% 3.85%
18 - 23 months $500.00 and up 3.83% 3.90%
24 - 35 months $500.00 and up 3.84% 3.91%
36 - 59 months $500.00 and up 3.86% 3.93%
60 - 83 months $500.00 and up 3.88% 3.95%
84 - 119 months $500.00 and up 3.90% 3.97%
120 months $500.00 and up 3.93% 4.00%

Disclosures

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 call our Member Service Center toll free at 800-688-7228.
Your money is safe here

Credit Human deposit accounts are federally insured through the NCUA

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.

Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance below to maximize your coverage, estimate your coverage online or call our Member Service Center for further information on your insured funds.

Visit the NCUA website to learn more
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