Share Certificates
Discover the smart way to grow your savings with a Share Certificate from Community Focus Federal Credit Union. Lock in a higher rate of return while keeping your money safe and secure. Whether you’re in Taylor, Brownstown, Ecorse or any other Downriver city, our flexible terms and competitive dividends help you reach your financial goals faster.
With terms from six months to five years, automatic renewal, and the option to use your certificate as collateral for a personal loan, this is savings with benefits. Plus, all certificates are federally insured by the NCUA—so your future is always protected.
Open your Share Certificate today and watch your money work harder for you—right here in Downriver!
Share Certificate - Quick FAQs
Q: What is the minimum deposit to open a Share Certificate?
A: You can start with as little as $1,000.
Q: How long are the terms available?
A: Flexible terms range from six months to five years.
Q: Are dividends fixed?
A: Yes, rates are competitive and fixed, with dividends compounded quarterly.
Q: Can my certificate help with loans?
A: Yes, it can be used as collateral on personal loans, which may reduce your rate.
Q: Is my money safe?
A: Absolutely—certificates are federally insured by the NCUA up to legal limits.
| Name | APY* | Description |
|---|---|---|
| 6 Month Certificate | 3.75% | $1000 Minimum deposit |
| 1 Year Certificate | 3.50% | $1000 Minimum deposit |
| 2 Year Certificate | 2.75% | $1000 Minimum deposit |
| 3 Year Certificate | 2.25% | $1000 Minimum deposit |
| 4 Year Certificate | 2.25% | $1000 Minimum deposit |
| 5 Year Certificate | 2.25% | $1000 Minimum deposit |
| Share Certificate Calculator | ||
| *APY=Annual Percentage Yield. Savings are insured for up to $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government Agency. Dividend paid annually. $1,000 minimum deposit. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. | ||