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Share Certificates

Eglin FCU Share Certificates are a great low-risk investment opportunity.
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ask about our Share Certificates
Unlock higher returns with an Eglin FCU Share Certificate - your secure path to financial growth.

Looking for a safe and reliable way to grow your savings? Eglin FCU Share Certificates are a great low-risk investment opportunity to earn competitive returns with the security you trust.

We offer two types of Share Certificates, Preferred Investment Certificates and Silver Certificates. Our Preferred Investment Certificates are available with maturity dates ranging from 1 to 60 months and a minimum deposit of $2500. If you are looking to invest a smaller amount, our Silver Certificates are available for 12-month and 24-month terms with a required minimum deposit of $500.

Stop by a branch to open a Share Certificate today, or contact a Member Services Representative at 850.862.0111, Option 4 during business hours for more information.

Preferred Investment Certificate Rates & Terms

Rates listed are current from 6/21/2024 - 6/27/2024.

CERTIFICATE TYPE DIVIDEND RATE APY*
31 Days / 1 month Certificate 3.50% 3.56%
92 days / 3 month Certificate 3.50% 3.56%
182 days / 6 month Certificate 4.00% 4.07%
365 days / 12 month Certificate 4.50% 4.59%
548 days / 18 month Certificate 4.35% 4.44%
730 days / 24 month Certificate 3.95% 4.02%
1095 days / 36 month Certificate 3.85% 3.92%
1460 days / 48 month Certificate 3.75% 3.82%
1825 days / 60 month Certificate 3.65% 3.71%

  • A $2500.00 minimum deposit required.
  • There is a penalty for early withdrawal.
  • Requires Eglin FCU Membership
  • Insured by NCUA.

*APY = Annual Percentage Yield

Silver Certificate Rates & Terms

Rates listed are current from 6/21/2024 - 6/27/2024.

CERTIFICATE TYPE DIVIDEND RATE APY*
365 days / 12 month Certificate 4.25% 4.33%
730 days / 24 month Certificate 3.70% 3.76%

  • A $500.00 minimum deposit required, not to exceed $2500.
  • There is a penalty for early withdrawal.
  • Requires Eglin FCU Membership
  • Insured by NCUA.

*APY = Annual Percentage Yield

Frequently Asked Questions

What is the early withdrawal penalty fee for Share Certificates?
The early withdrawal penalty for Share Certificates can differ depending on various factors. Please contact us by calling 850.862.0111, Option 4, or stop by a branch during business hours for more information on Share Certificates.

What is the difference between Share Certificates and Certificates of Deposit (CDs)?
Share Certificates and Certificates of Deposit (CDs) are both low-risk share accounts. The key difference lies in the institutions offering them: CDs are offered by for-profit banks, while share certificates are provided by not-for-profit credit unions. Both pay fixed rates, but CDs offer interest, while share certificates provide dividends. Additionally, CDs are insured by the FDIC, while share certificates are insured by the NCUA.

How do I renew my Share Certificate?
Please contact us or visit a branch during business hours for specific information about renewing your Share Certificate(s).

How do I close my Share Certificate?
Please contact us or visit a branch during business hours for specific information about closing your Share Certificate(s).

Where can I find the maturity date on my Share Certificate?
Members with online account access can find share certificate maturity dates listed in Online Banking and/or the Mobile App. Please contact us or visit a branch during business hours to inquire about the maturity date on your Share Certificate(s).