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Savings Accounts

Share Certificates

A share certificate is a safe way to earn dividends by investing in cash for a set period of time.

Safe, Low-Risk Investments Through Altura

Share certificates are similar to certificates of deposit (CDs) except they are exclusively offered by credit unions. Share certificates are low-risk, and you don’t need much money to start investing. Altura offers two main types of share certificates.

 

About Certificates

Term Share Certificates (3 to 60 Months)

Altura allows you to invest in a share certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.75% / 0.75%1.09% / 1.10%1.34% / 1.35%1.59% / 1.60%1.78% / 1.80%1.98% / 2.00%2.37% / 2.40%
$100,000.00+Rate/APY0.85% / 0.85%1.19% / 1.20%1.44% / 1.45%1.69% / 1.70%1.88% / 1.90%2.08% / 2.10%2.47% / 2.50%

^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to...

READ MORE +

^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

To download a Rate Sheet, click here.

READ LESS -

50/50 Share Certificates (Ages 0-24)

A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!

Rates Effective Date: December 5, 2019
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^1.09% / 1.10%
$100,000.00+Rate/APY1.19% / 1.20%

^ APY = Annual Percentage Yield.

^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be ...

READ MORE +

^ APY = Annual Percentage Yield.

^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.

To download a Rate Sheet, click here.

READ LESS -

Term Share Certificates (3 to 60 Months)

Altura allows you to invest in a share certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.75% / 0.75%1.09% / 1.10%1.34% / 1.35%1.59% / 1.60%1.78% / 1.80%1.98% / 2.00%2.37% / 2.40%
$100,000.00+Rate/APY0.85% / 0.85%1.19% / 1.20%1.44% / 1.45%1.69% / 1.70%1.88% / 1.90%2.08% / 2.10%2.47% / 2.50%

^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to...

READ MORE +

^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

To download a Rate Sheet, click here.

READ LESS -

50/50 Share Certificates (Ages 0-24)

A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!

Rates Effective Date: December 5, 2019
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^1.09% / 1.10%
$100,000.00+Rate/APY1.19% / 1.20%

^ APY = Annual Percentage Yield.

^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be ...

READ MORE +

^ APY = Annual Percentage Yield.

^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.

To download a Rate Sheet, click here.

READ LESS -
KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

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FAQs

What is the Difference Between a Certificate of Deposit (CDs) and a Share Certificate?

Share certificates and CDs are actually the same kind of investment. The difference is that a bank can issue CDs, while only a credit union can offer share certificates. Because of this, these investments are also insured by different organizations. While certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC), share certificates are insured by the National Credit Union Share Insurance Fund (NCUSIF).

Is a Share Certificate a Safe Investment?

Share certificates, just like any kind of investment, do carry some risk to the investor. However, share certificates are very safe and, thus, they are usually considered one of the best investments you can make. Share certificates are insured by the National Credit Union Share Insurance Fund for up to $250,000.

Can I Withdraw My Money from a Share Certificate Early?

Once your money is in a share certificate, you are committing not to use it for the length of your term. Thus, if you decide you want to withdraw your investment early, you will be penalized. The price of your penalty will depend on the length of the term.

Disclaimer Information

Early withdrawal penalties may apply. Fees may reduce earnings. See the Schedule of Fees for details. A one-time membership fee applies for non-members.

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