Share Certificates

Saving money for a rainy day has never been easier

A Share Certificate is a savings option that lets you earn dividends on your money over a fixed term, with flexible options ranging from 3 months to 5 years and a minimum deposit of $500.

Share Certificate with an original maturity of less than 12 months earn Simple Dividends, posted to the account at the end of the term;
Share Certificates that have a term of 12 months or longer earn Compounded Dividends, compounded daily and paid monthly to your account.

Check out our 5-Month Share Certificate Special!

Schedule Appointment

RATES

Get the best rate for you

Share Certificates Rates

Effective as of April 1, 2026

Print Rates

Schedule Appointment

TERM	DIVIDEND RATE	APY
3-Month Term	0.10%	0.10%
5-Month Share Certificate Special	3.75%	3.75%
6-Month Term	0.15%	0.15%
One-Year Term	0.20%	0.20%
18-Month Term	0.25%	0.25%
Two-Year Term	0.30%	0.30%
Three-Year Term	0.40%	0.40%
Four-Year Term	0.50%	0.50%
Five-Year Term	0.60%	0.60%
APY = Annual Percentage Yield Note: Dividends will be labeled as Interest on your Statements and in Online Banking Fees may reduce earnings on applicable accounts. A penalty may be assessed for early withdrawal. The minimum balance to open and earn dividends on Share Certificates is $500.00. Rates subject to change without notice.
Schedule Appointment

OVERVIEW

Long-Term Savings for Your Future

Minimum balance of $500.00

Simple Dividends Share Certificate

Compounded Dividends Share Certificates

How to Get Started

Email Us

Speak with an IC Credit Union representative at (800) 262-1001

Stop by an IC branch near you

Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001