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5 Ways to Invest Safely with a Park Community Credit Union Share Certificate Account

Park Community Credit Union Share Certificates are safe, secure, and insured up to $250,000*. Choose your type of share certificate, your terms, and your opening investment and start saving today with one of our five great Share Certificates.

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With terms ranging from six months to five years and fabulously competitive rates, the traditional share certificate requires a minimum opening balance of only $500. At the end of your term, you can either cash out or reinvest.

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The Wealth Builder share certificate still earns more interest than a regular savings account, but only requires a minimum deposit of $250. Plus, you can invest more each week ($10 minimum) by visiting Park Community Credit Union or through direct deposit or payroll deduction.

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Share certificates are for kids, too! Get your kids on the right track to financial success and teach them the value of investing with a CerKIDicate. CerKIDicates require only $100 to open and offer 24-month terms so your kids can watch their money grow while they’re growing. Dividend rates on CerKIDicates are 0.50% above regular share certificate dividend rates.

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If you’re worried about rates increasing if you lock into a share certificate today, a Bump Certificate*** can help you get great rates now, and later. With the Bump Certificate, you choose from a 12 or 24-month term. Then, after you’ve had the certificate for at least 6 months, you can “bump” up to the current Bump Certificate dividend rate, one time during the term of your certificate. The higher rate will be paid for the remaining term of your share certificate.

***Initial APY and dividend rate is 0.05% below regular share certificate rates. Available terms are 12 and 24 month. Six months after opening, member has one-time option to update (bump) rates to the current rates, which will remain in effect until the certificate maturity date.

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The Jumbo Share Certificate offers higher rates for larger deposits. With a minimum $50,000 to open, you’ll earn higher dividend rates than our standard share certificate. You can choose from 12, 24, 36, 48, and 60-month terms.

Current Rates

Traditional Share Certificates Minimum Dividend Rate APY*
6-month term Minimum $500 1.246% 1.25%
12-month term Minimum $500 1.980% 2.00%
18-month term Minimum $500 2.078% 2.10%
24-month term Minimum $500 2.225% 2.25%
36-month term Minimum $500 2.323% 2.35%
48-month term Minimum $500 2.469% 2.50%
60-month term Minimum $500 2.713% 2.75%
Wealth Builder Share Certificate Minimum Dividend Rate APY*
24-month term Minimum $250 1.980% 2.00%
CerKIDicate Share Certificate Minimum Dividend Rate APY*
24-month term Minimum $100 2.713% 2.75%
Bump Share Certificate Minimum Dividend Rate APY*
12-month term Minimum $500 1.931% 1.95%
24-month term Minimum $500 2.176% 2.20%
Jumbo Share Certificates Minimum Dividend Rate APY*
12-month term Minimum $50,000 2.029% 2.05%
24-month term Minimum $50,000 2.274% 2.30%
36-month term Minimum $50,000 2.372% 2.40%
48-month term Minimum $50,000 2.518% 2.55%
60-month term Minimum $50,000 2.762% 2.80%

*APY=Annual Percentage Yield. Rates are current as of 08/01/2018 and are subject to change without notice. An early withdrawal penalty may be imposed on all share certificate accounts. For more detailed information, call 502.968.3681 or 800.626.2870. Share certificate funds are insured by the NCUA up to $250,000 per individual (included with aggregate balance on deposit at Park Community Credit Union.


To get started, visit your local branch, or you may contact our eBranch at 502.968.3681 or 800.626.2870.


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