Endura Financial Federal Credit Union

Become a Member
Open a new account

Share Certificates

 
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 three (3) to 60 months with a $1,000 minimum deposit on each certificate.
 

Share Certificate Rates

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.
 
Deposit rates as of April 1, 2014.
 
Traditional Share Certificates
Minimum opening deposit and minimum account balance of $1,000 required to earn APY.
 
Fixed Rate Traditional Share Certificate
Term Rate APY*
3 month (I8)
0.15%
0.15%
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
Term Rate APY*
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
Term Rate APY*
12 month (I53)
0.35%
0.35%
 
Traditional Share Certificates
Minimum opening deposit and minimum account balance of $15,000 NEW MONEY required to earn APY; funds cannot come from an existing Endura Financial account.
 
Fixed Rate Traditional Share Certificates
Term Rate APY*
3 month (I8)
0.15%
0.15%
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
Term Rate APY*
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
Term Rate APY*
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
Term Rate APY*
3 month (I8) 0.25%
0.25%
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
Term Rate APY*
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
Term Rate APY*
12 month (I53)
0.35%
0.35%
 
 
*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 Fees for additional information.