You can’t predict the future, but you can save for it.

Signature Share Accounts allow you to grow your savings for different uses at a later date. Compare minimum deposits, dividend rates and terms to find the Share Account that fits with your investment strategy -- there might be more than one.

And we’d like to help you figure it out – talk to a real person about your questions at (800) 336.0284.

Compare Share Accounts and Rates

Share Rates
Product Type Minimum Balance to Open Minimum Balance to Earn APY Annual Percentage Yield (APY)
Savings $5 $5 0.00%
Savings $5 $100 0.15%
Club Accounts $0 $100 0.25%
Youth Savings $5 $5 0.25%
IRA Savings $0 $0 0.75%
$20,000 0.80%
$50,000 0.90%
$100,000 1.00%
Money Market Account1 $0 $500 0.80%
$10,000 0.90%
$50,000 1.00%
Legacy Money Market1 $0 $500 0.90%
$10,000 1.00%
$50,000 1.10%
Standard Checking/Student Checking $0 $0 0.00%
Youth Checking $0 $0 0.10%
Legacy Checking $0 $0 0.05%
High Yield Checking2 $0 $0 3.50%
$20,001 0.00%
ATM Rebate Checking $0 $0 0.00%
Debit Card Points Checking $0 $0 0.00%

 

Share and IRA Certificate Rates (Share/IRA/Roth/ESA)
Certificate Type Minimum Balance to Open and Earn APY APY
5 Year $500 4.00%
4 Year $500 3.70%
3 Year $500 3.75%
24 Month $500 3.60%
18 Month $500 3.90%
12 Month $500 3.75%
9 Month $500 2.75%
6 Month $500 2.50%
3 Month $500 1.75%
Bump It Up Certificate Rates *Limited-Time Offer*
Certificate Type Minimum Balance to Open and Earn APY APY
23-Month Bump It Up Certificate3 $500 4.00%
59-Month Bump It Up Certificate4 $500 4.00%
Premium 36-Month Certificate *Limited-Time Offer*
Certificate Type Minimum Balance to Open and Earn APY APY
36-Month Premium Certificate5 $500 4.50%
EZ Save Certificate Rate
Certificate Type Minimum Balance to Open and Earn APY APY
1 Year EZ Save6 $50 2.00%

Have trouble saving? We have made it EZ to start saving with just an initial $50 minimum deposit.

Our EZ Save Certificate offers:

  • A 12-month term, after 12 months you have the opportunity to transfer the balance to another Share Certificate
  • One EZ Save Certificate per account (Limit $25,000)
  • Make additional deposits anytime by mailing a check, setting up a payroll/retirement allotment, Online Branch or Mobile App transfer, or even transfer funds from your local financial institution

For more information about Signature EZ Save or to open a certificate, please contact one of our qualified representatives at (800) 336.0284.

For all term share accounts (Share Certificates), rates are fixed for the term of the Share Certificates and penalty may be assessed for early withdrawal of funds from Share Certificates.


Your deposits are federally insured up to $250,000 by the National Credit Union Administration. Rates are set by the Board of Directors and may change without notice. Rates may also change on your account after it’s opened. Fees or other charges could reduce the earnings on the account. For current rates and account information call (800) 336.0284. All rates effective 1/18/2023.

1Money Market Accounts – Annual Percentage Yield can change monthly. Limited to 6 withdrawals per month. To qualify for the Legacy Money Market account you must be at least 55 or older.

2High-Yield Checking has certain requirements that must be met: The debit card must be used at least 15 times and there must be a total of $1,000 being directly deposited into the account each month. The member must be enrolled in e-statements and can only have one High-Yield Checking per account. If any of the requirements are not met, the account will earn the standard checking account rate for that month. Balances above $20,000 or accounts not meeting the qualifications earn 0.00% APY, while balances below $20,000 and meeting the qualifications will earn 3.50% APY. 

3Rates are set by the Board of Directors and may change without notice. If the 24-month share certificate rate is higher than your current rate, you are eligible to “Bump It Up” or increase your rate one (1) time during the term of the share certificate. It is your responsibility to contact the Credit Union and request the rate to be increased; we will not increase the rate automatically at any time during the term of the certificate. At the end of the term, the Share Certificate will automatically renew to the regular 24-month certificate rate. For our current rates, visit www.SignatureFCU.org/rates or contact us at (800) 336.0284 ext. 684. For all Share Certificates, a penalty may be assessed for early withdrawal of funds.

4Rates are set by the Board of Directors and may change without notice. If the 60-month share certificate rate is higher than your current rate, you are eligible to “Bump It Up” or increase your rate one (1) time during the term of the share certificate. It is your responsibility to contact the Credit Union and request the rate to be increased; we will not increase the rate automatically at any time during the term of the certificate. At the end of the term, the Share Certificate will automatically renew to the regular 60-month certificate rate. For our current rates, visit www.SignatureFCU.org/rates or contact us at (800) 336.0284 ext. 684. For all Share Certificates, a penalty may be assessed for early withdrawal of funds.

5Rates are set by the Board of Directors and may change without notice. Rates are fixed for the term of the Share Certificate and a penalty may be assessed for early withdrawal of funds. At the end of the term, the Share Certificate will automatically renew to the standard 36-month certificate rate.

6Balances under $25,000 will earn 2.00% Annual Percentage Yield (APY). Balances over $25,000, including any paid dividends, will earn 0.10% APY. Once your balance reaches $25,000, in order to earn the full dividend of 2.00% APY you must request your earned dividends to be automatically transferred out of the EZ Save Certificate. A penalty may be assessed for early withdrawal of funds excluding dividends.