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Put your funds to work with Share Certificates (also commonly known as a certificate of deposit or CD) from Greater Nevada Credit Union. With higher earnings and several different terms to choose from, this type of account is a great option to watch your savings grow.
Share Certificates
Get More From Your Money
What is a Share Certificate?
A Share Certificate is an account into which you deposit an agreed-upon amount of money for an agreed-upon amount of time. In exchange, Greater Nevada will pay an agreed-upon dividend – guaranteed.
During the term, you can’t access your money without paying a penalty. But the benefits are considerable: Share Certificates enjoy higher rates than savings accounts – sometimes significantly higher.
If you can comfortably set aside funds (and don’t anticipate needing those funds for the duration of the term) then a Share Certificate may be the perfect way to grow your money with higher-than-average rates.
Benefits of Share Certificates
Patience is a virtue when it comes to reaping the rewards of Share Certificates, and the rewards are well worth waiting for.
Higher Returns
Share Certificates earn Greater returns when compared to rates for standard savings accounts in the same period of time.
Higher Rates
At Greater Nevada, we’re pleased to offer higher Annual Percentage Yields (APYs) on Share Certificates with longer terms and larger balances.
Collateral for Loans
You’re empowered to use your Share Certificate as collateral for a Greater Nevada Deposit Secured loan. It’s our way of helping you Live Greater!
Minimum to Open
To open a Share Certificate at our credit union, you’ll need at least $500 to get started.
Risk-Free Reward
Compared to stock market or other investments, Share Certificates are a guaranteed safe bet.
Federally Insured
The funds you deposit at Greater Nevada Credit Union, including your Share Certificates, are federally insured by the National Credit Union Administration (NCUA) to $250,000.
Share Certificate (CD) Rates
Term
Minimum Balance $500 Rate
Minimum Balance $500 APY1
Term
3 Months
Minimum Balance $500 Rate
1.490%
Minimum Balance $500 APY1
1.50%
Term
6 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY1
2.50%
Term
12 Months
Minimum Balance $500 Rate
3.832%
Minimum Balance $500 APY1
3.90%
Term
18 Months
Minimum Balance $500 Rate
3.542%
Minimum Balance $500 APY1
3.60%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY1
3.10%
Term
30 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY1
3.10%
Term
36 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY1
3.00%
Term
48 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY1
3.00%
Term
60 Months
Minimum Balance $500 Rate
2.960%
Minimum Balance $500 APY1
3.00%
What is the difference between a Share Certificate and Certificate of Deposit (CD)?
How does a Share Certificate work?
Are Share Certificates with a credit union safe?
Open a Share Certificate Account
Find the perfect Share Certificate for your financial goals–it all starts with opening one online or a visit to your local Greater Nevada branch.
1APY (Annual Percentage Yield) effective November 13, 2024, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.