Share Certificates

Take your savings even further with Share Certificates; they are stable, secure and offer higher earning potential on your investment.

The Partnership FCU offers a variety of certificates that help you choose the right fit to meet your needs and budget.

Are you a VIP? VIP Members enjoy dividend bonuses up to .50% APY on their Share Certificate rates. See how you can become a VIP Member.

Regular Share Certificates

  • Minimum investment of $500
  • Terms from 3 months up to 60 Months
  • Competitive dividend rates
  • Dividends can be added to principal or credited to share account
  • Automatic renewal at maturity at prevailing rate
  • BumpUp option available*
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IRA Regular Share Certificates

IRA Regular Share Certificates combine the advantages of great dividend rates with potential tax-savings.

  • Minimum investment of $500
  • Terms from 3 to 60 Months
  • Transfers and rollovers from other financial institutions welcomed
  • BumpUp option available*
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Savings Builder Certificate

The Savings Builder Certificate is the perfect option to start saving a little money now, even if you don’t have a lot to invest right away. Keep depositing monthly to build your investment!

  • Minimum investment of $100
  • Convenient 6 Month term
  • Monthly deposit of at least $50 required
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*BumpUp Option

The BumpUp option is a one-time offer to increase the certificate rate and add additional money during the term of the certificate.

    • Minimum investment of $500
    • Available for terms of 12 months to 60 Months
    • One-Time option to BumpUp to a higher dividend rate during certificate term
    • One-Time option to BumpUp investment amount during certificate term
    • The new rate carries forward from the date of BumpUp; it is not retroactive.

Credit Union Certificate Ladder Calculator

A Certificate Ladder allows you to benefit from higher interest rates for longer maturities, while achieving better liquidity. Use the Credit Union Certificate Ladder to explore the benefits of investing in a Certificate Ladder.

If you would further like to discuss our Share Certificate options, stop in at one of our branches or call our Contact Center. A Member Services Representative will be happy to assist you.


Share & IRA Certificate Disclosure: APY = Annual Percentage Yield (APY). All of our Share (except IRA Savings Builder Certificate) and IRA Certificates require a minimum $500 deposit and we offer terms of 90 days to 60 months. For all accounts, the Credit Union uses the daily balance method of computing dividends, which applies a periodic rate to the full amount of principal in the account each day. Dividends accrue daily from the date of deposit to the date of withdrawal. For all accounts, accrued dividends will not be paid at account closing, if closed prior to a dividend period, except in cases of maturing Share or IRA Certificates. A penalty will be imposed for early withdrawal of certificate accounts. Certain other restrictions may apply. Contact us for specific details. The Partnership FCU reserves the right to immediately discontinue at any time any or all such promotional rates.

Please Note: A penalty is imposed for early withdrawals on any Share Certificate Accounts before maturity. For Share Certificates with terms of 12 months or less there is a penalty of 90 days of dividends. Terms of more than 12 months incur a penalty of 180 days of dividends. The penalty may reduce the principal.