Endura Financial Federal Credit Union

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Share Certificates

 
Share Certificate Rates
For the more conservative saver, EFFCU Share Certificates guarantee yields, which means guaranteed money. With Share Certificates, you earn fixed rates, and decide whether you want to reinvest the earnings (and increase your savings further) or receive dividends on a quarterly basis. Choose from terms ranging from six (6) to 60 months with a $1,000 minimum deposit on each certificate.

The following rates are currently available on Share Certificates through Endura Financial Federal Credit Union. For more information, or to take advantage of these savings opportunities, contact a Member Service Representative today at 1.800.533.4004 or stop by one of our branches.
 
Current Deposit Rates

Traditional Share Certificates

Minimum opening deposit and minimum account balance of $1,000 required to earn APY.
 
Fixed Rate Traditional Share Certificate
TermRateAPY*
6 - 11 mo (I2)
0.20%
0.20%
12 - 23 mo (I3)0.30%
0.30%
24 - 35 mo (I4)
0.40%
0.40%
36 - 41 mo (I5)
0.55%
0.55%
42 - 48 mo (I6)
0.90%
0.90%
49 - 60 mo (I7)1.10%
1.11%
 
Relock Traditional Share Certificate
TermRateAPY*
24 - 35 mo (I24)
0.30%
0.30%
36 - 41 mo (I25)
0.45%
0.45%
42 - 48 mo (I26)
0.80%
0.80%
49 - 60 mo (I27)
1.00%
1.00%
 
Jumbo Traditional Share Certificates
TermRateAPY*
12 month (I53)
0.35%
0.35%
 
Relationship Share Certificates
Minimum opening deposit and minimum account balance of $1,000 required to earn APY; rates apply only to members with an eLife Checking account.
 
Relationship Fixed Rate Share Certificate
TermRateAPY*
6 - 11 mo (I2)0.30%
0.30%
12 - 23 mo (I3)0.40%
0.40%
24 - 35 mo (I4)
0.50%
0.50%
36 - 41 mo (I5)
0.65%
0.65%
42 - 48 mo (I6)
1.00%
1.00%
49 - 60 mo (I7)1.20%
1.21%
 
Relationship Relock Share Certificate
TermRateAPY*
24 - 35 mo (I24)
0.40%
0.40%
36 - 41 mo (I25)
0.55%
0.55%
42 - 48 mo (I26)
0.90%
0.90%
49 - 60 mo (I27)
1.10%
1.11%
 
Relationship Jumbo Share Certificate1
TermRateAPY*
12 month (I53)
0.35%
0.35%

IRA Share Certificate
Term
eLife Checking or Active Checking5
No Checking
$1,000 - $9,999
APY (%)
$10,000 & Over
APY (%)
$1,000 - $9,999
APY (%)
$10,000 & Over
APY (%)
6 months0.501.000.200.35
12 months0.651.100.250.50
24 months0.751.300.500.75
36 months1.001.750.751.25
60 months1.502.001.001.50

 
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly. A penalty may be imposed for early withdrawal of funds; fees may reduce earnings. Rates subject to change.
1Minimum balance $100,000. Maximum deposit $999,999 per certificate.
See our Service Feesfor additional information.
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