Set It, Forget It, Watch It Grow
When you open a Share Certificate, you're committing to keep your money on deposit for a set term — and in return, you'll earn a higher, more competitive dividend rate than a traditional savings account. It's a safe and secure way to grow your savings, without the risks associated with investing in the market.
We offer both Share Certificates and IRA Share Certificates, with a range of term lengths and minimum deposit options to match your financial goals.
Dividends are compounded and credited directly to your certificate, or you can choose to have them deposited into your savings or checking account — giving you control over how you manage your earnings.
Please note: early withdrawal penalties apply if funds are accessed before the certificate matures. Be sure to review Our Rates and Service Charges for complete details before opening.
Share Certificate Specials
Smart Saver Share Certificate
A 12-month share certificate that allows you to make additional deposits during the term of the certificate.
4.25% APY* 8 Month Certificate
Lock in a high rate with our limited-time 8 Month Certificate special.
*The 8 Month Special can only be opened with new money. New money is defined as deposits not previously or currently held at Health Advantage Federal Credit Union. Only one account is allowed per primary member social security number. The 8 Month Special Certificate is a Promotional Certificate. Upon maturity, the Promotional Certificate will renew at the next lowest regular certificate term and rate. For example, a 8 Month Promotional Certificate will renew as a regular 6 Month Certificate.
