Sustainable Share Certificate
Grow your savings while positively impacting the environment. The money you deposit in a Sustainable Share Certificate directly funds clean energy loans that help reduce greenhouse gas emissions, conserve resources, lower energy expenses and strengthen communities, all while you earn competitive dividends.
What is a Sustainable Share Certificate?
A Sustainable Share Certificate is an 18-month, fixed-rate savings product that pays monthly dividends while enabling loans to members for sustainable home improvements like solar energy systems, geothermal solutions and water capture technologies.
- Open with $500 minimum
- Automatic renewal at maturity
- Federally insured up to $250,000
Put your money behind something meaningful
- Competitive certificate rates
- Federally insured deposits
- Positive environmental impact
Our commitment to sustainable impact
The Sustainable Share Certificate is part of Credit Human's growing suite of products that give members the opportunity to align their financial goals with their values. By opening a Sustainable Share Certificate, you're helping deliver solutions that strengthen communities, reduce household expenses and build a more resilient future.
6.9
metric tons of CO2 reduced
Credit Human's financed solar projects generated enough clean energy in 2025 resulting in the equivalent of planting 118,163,558 trees.
10
Cumulative savings
To date, our SustainableHome™ lending program has cumulatively saved $3.2k per member.
Sustainable Share Certificate frequently asked questions
Take a look at the most common questions we get about our Sustainable Share Certificates. If you have more general questions or are looking for support options, check out our support center.
How is the Sustainable Share Certificate different from a traditional share certificate?
Money invested in a Sustainable Share Certificate is used to enable energy-efficiency, renewable energy and water conservation projects. You still receive the same fixed-rate earnings and federally insured savings as a traditional 18-month share certificate.
How do my savings advance sustainability initiatives?
Your savings help fund loans for energy-efficient home improvements and other sustainability-focused lending activities. These projects can reduce energy consumption and create long-term benefits for homeowners and communities.
Why is Credit Human offering a Sustainable Share Certificate?
Credit Human believes financial products can help members improve their financial health while supporting stronger communities. The Sustainable Share Certificate provides a way for members to build savings and contribute to environmentally responsible lending at the same time.
What kind of sustainability projects may be funded?
Sustainable projects include solar energy systems, geothermal solutions, water capture technologies, high-efficiency HVAC systems and weatherization improvements designed to increase energy efficiency and reduce household energy costs.
Sustainable Share Certificate rates
Rates effective as of 10-02-2026
| Term | Account balance | Dividend rate | APY |
|---|---|---|---|
| 18 months | $500.00 and up | 3.88% | 3.95% |
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 at 800-688-7228.