Share Certificates

At Public Service Credit Union, our Share Certificates provide a premium path to grow your savings with confidence. These secure investment vehicles—the credit union equivalent of a bank's Certificate of Deposit (CD)—offer predictable returns and peace of mind for members seeking stability in their financial portfolio.

How Share Certificates Work

When you open a Share Certificate with us, you're making a strategic decision to set aside funds for a specified period, ranging from six months to five years. During this time, your money works harder for you, earning higher dividend rates than our regular savings options. This structured approach rewards your commitment with enhanced returns while maintaining the security you expect from Public Service Credit Union.

Unmatched Security and Protection

Your investment deserves maximum protection. That's why all Share Certificates at Public Service Credit Union are federally insured by the National Credit Union Administration (NCUA) up to $250,000. This federal backing ensures your principal and earnings remain secure throughout the certificate term, allowing you to focus on your financial goals rather than concerns about safety.

Flexible Terms to Suit Your Timeline

We understand that every member's financial journey is unique. Whether you're saving for a near-term goal or planning for long-range objectives, our diverse certificate options accommodate your specific timeline:

• Short-term certificates (6-12 months) for upcoming expenses

• Mid-range certificates (18-24 months) for intermediate planning

• Long-term certificates (3-5 years) for maximum dividend potential

Maturity Options That Put You in Control

As your Share Certificate reaches maturity, you maintain complete control over your funds. Choose to withdraw your principal and dividends for immediate use, reinvest in another certificate to continue your growth trajectory, or explore a combination approach that balances current needs with ongoing savings goals. Our team will notify you before maturity, ensuring you have time to evaluate your options.

Getting Started

Begin your secure savings journey with a Share Certificate today. Visit our rates page to review current dividend offerings across all certificate terms, or speak with a member service representative to determine which certificate aligns best with your financial objectives.

Please note: Early withdrawals before certificate maturity are subject to penalties that may reduce your earnings. Share Certificates are designed as commitment-based savings tools for funds you won't need to access before the maturity date.

At Public Service Credit Union, we believe it's never too early to begin building strong financial foundations. Our specially designed Minor Share Certificate offers an exceptional opportunity for members under 18 years of age to experience the power of consistent saving while enjoying premium dividend rates not typically available to younger savers.

Nurturing Tomorrow's Financial Leaders

The habits formed during childhood often shape lifelong financial behaviors. Our Minor Share Certificate creates a structured environment where young members can witness firsthand how patience and disciplined saving transform into meaningful growth. This hands-on experience provides valuable lessons about the relationship between time, commitment, and financial reward—concepts that will serve them well throughout adulthood.

The Perfect Gift That Truly Grows

Parents, grandparents, and other family members seeking meaningful ways to invest in a child's future will find our Minor Share Certificate an ideal solution. Unlike toys that lose their appeal or clothes that are quickly outgrown, this financial gift appreciates in value year after year. With just a $100 minimum deposit, you can establish a foundation that may one day help fund education, first vehicles, or other significant milestones.

Unique Growth Opportunities

What makes our Minor Share Certificate especially powerful is its annual renewal. Each year at maturity, the certificate will renew with the option to add additional funds—allowing the nest egg to grow even faster through both compound dividends and new contributions. This annual opportunity to boost savings creates regular touchpoints to discuss money management with young members as they watch their balance increase.

Certificate Details

• 12-month term with competitive rates higher than standard certificates

• Low $100 minimum deposit requirement

• Available exclusively to members under 18 years of age

• Annual opportunity to add funds upon renewal

• Federally insured by NCUA up to $250,000

Begin your child's journey toward financial confidence today. The lessons learned through this certificate will yield dividends far beyond the account balance itself—establishing patterns of saving, patience, and purposeful planning that can last a lifetime.