Share Certificates offer an incredibly easy way to save. With a higher dividend rate than a regular Share Savings account, a Democracy FCU Share Certificate is an attractive way to build up savings on your terms.
Terms from 6 months to 60 months
Minimum balance varies based on terms
To open a Share Certificate, simply click below and select "Open a Secondary Account" within our application center.
* Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change. A $8,000, 48 month, at 7% Annual Percentage Rate (APR) will have estimated monthly payments of $192.12
Youth Savings Certificate Rates
Table data for Youth and Young Adult Generation APY Certificate
Youth/Young Adult Generation APY (Annual Percentage Yield) Certificates are available to any member under the age of 18. The APY is accurate as of the last dividend declaration date. The APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
1APY = Annual Percentage Yield. Fees may reduce earnings on the account. Variable rates are subject to change after the account is opened. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.↵