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Personal Investing | Share Certificates

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Sit back and watch your money grow. 

Whether you're saving for a big purchase, planning for retirement, or looking to boost your returns, our Share Certificates provide a secure way to grow your money. Rest easy knowing your savings are working for you. Invest in your future with an Education First Share Certificate today!

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Get a Great Return

Patience is rewarded when you open a Share Certificate (also known as a Certificate of Deposit). Our Share Certificates offer competitive rates and flexible terms designed to help you reach your financial goals faster.

Benefits of a share certificate with EFFCU:

  • Flexible Terms: Choose from a variety of term lengths to fit your savings plan.
  • Maximize Your Savings: Take advantage of monthly compounded dividends
  • A penalty may be assessed if money is withdrawn before the maturity date
  • Safe & Secure: Your investment is federally insured up to $250,000.
Open a Share Certificate

Share Certificate

Terms Minimum Deposit Dividend Rate APY
3 Month $500 2.50% 2.53%
6 Month $500 3.75% 3.81%
1 Year $500 4.25% 4.33%
2 Year $500 3.50% 3.56%
3 Year $500 3.50% 3.56%
5 Year $500 3.50% 3.56%
*APY - Annual Percentage Yield. A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.

Calculate Your Savings at Maturity

Uncover the true value of your CD at maturity by inputting your deposit amount, CD term, interest rate, and compounding frequency.

Handy Tools at Your Disposal.

Whether it's budgeting for retirement, comparing the latest rates or meeting with an expert advisor, managing your finances has never been easier with Education First!

 

Retirement Calculators

Calculate your budget and plan for your retirement goals with Education First's retirement calculators.

Learn More >

Rates

Check current rates and find out which ones are the right fit for what you need.

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Financial Advisors

Get top-of-the-line advice from Education First's professional financial advisors.

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Have Questions? We're Here to Help.

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