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 Savers Share Certificate1
Choose between a 12-month or 24-month share certificate that allows you to make additional deposits during the term of the certificate.
Limited Time Share Certificate Promotion2
Lock in a high rate with our limited-time Share Certificate promotions. This special promotional offer is limited to one per member.
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7-Month Certificate, 4.40% APY2
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9-Month Certificate, 4.50% APY2
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503.
2The 9 Month Special Certificate can only be opened with new money. New money is defined as deposits not previously or currently held at Health Advantage Federal Credit Union.The 7 Month and 9 Month Special Certificates are Promotional Certificates. Upon maturity, the Promotional Certificate will renew at the next lowest regular certificate term and rate. For example, a 7 Month Promotional Certificate will renew as a regular 6 Month Certificate and a 9 Month Promotional Certificate will renew as a regular 6 Month Certificate.
