Share Certificates

Thrive Credit Union can help you earn higher dividends on your deposits with share certificates. With low minimum balance requirements and a variety of terms, share certificates are a great savings option for just about everyone. Terms are available from 6 months to 5 years with a minimum balance of as low as $500.00. Of course, the more you deposit, the more you earn. You have several options on how your dividends are paid.

Options: You can have dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.

Estimate your savings with our Share Certificate Calculator.

Share Certificates

Dividends posted quarterly effective 07/31/2019 and are subject to change without notice.

Account TypeMinimumMaximumAPR *APY **
3 Months0.25%0.25%
6 Months0.60%0.60%
6 Months$10,0000.75%0.75%
12 Months1.00%1.00%
24 Months1.25%1.26%
36 Months1.50%1.51%
48 Months1.75%1.75%
60 Months2.00%2.02%
* APR is Annual Percentage Rate
** APY is Annual Percentage Yield
Share Certificate SpecialRateYield
16 month special2.13%2.15%
16 month with checking2.28%2.30%
28 month special2.13%2.15%
28 month with checking2.28%2.30%
* Dividends posted quarterly ($2,500 minimum)