Share Certificates of Deposit

Saving money for a rainy day has never been easier

Are you ready to make the most of your money in the long term? With as little as $500, you can open a Share Certificate from 3 months to 5 years and earn dividends on your savings.

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

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RATES

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Share Certificates of Deposit Rates

Effective as of February 1, 2025

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TERM	DIVIDEND RATE	APY
3-Month Term	0.10%	0.10%
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.
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OVERVIEW

Long-Term Savings for Your Future

Minimum balance of $500.00

Simple Dividends Share Certificate

Compounded Dividends Share Certificates

How to Get Started

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

Stop by an IC branch near you

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If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001