Share Certificates offer peace of mind with interest.

At Park Community, you can grow your money faster with the better interest rates only a not-for-profit can offer.
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.

Traditional Share certificate $500 minimum

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.

Bump certificate $500 minimum

Get great rates now, and later with the Bump Certificate. Choose from a 12-month or 24-month term. Then, after at least 6 months, if the Bump Certificate dividend rate goes up you can use a one-time rate “bump” to match the new dividend rate. The new, higher rate will be paid for the remainder of your certificate term!**

Wealth builder Share certificate $250 minimum

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 add invest more each week ($10 minimum) by visiting Park Community Credit Union or through direct deposit or payroll deduction.

CerKIDicate share certificate $100 minimum

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.

JUMBO share certificate $50,000 minimum

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.

Traditional

Certificate Type
Minimum
Dividend Rate
APY*
Traditional 6-month term
$500
1.686%
1.70%
Traditional 12-month term
$500
2.127%
2.15%
Traditional 18-month term
$500
2.225%
2.25%
Traditional 24-month term
$500
2.274%
2.30%
Traditional 36-month term
$500
2.421%
2.45%
Traditional 48-month term
$500
2.469%
2.50%
Traditional 60-month term
$500
2.567%
2.60%

Bump

Certificate Type
Minimum
Dividend Rate
APY*
BUMP 12-month term
$500
2.078%
2.10%
BUMP 24-month term
$500
2.225%
2.25%

Wealth Builder

Certificate Type
Minimum
Dividend Rate
APY*
Wealth Builder 24-month term
$250
2.029%
2.05%

CerKIDicate

Certificate Type
Minimum
Dividend Rate
APY*
CerKIDicate 24-month term
$100
2.762%
2.80%

JUMBO

Certificate Type
Minimum
Dividend Rate
APY*
Jumbo 12-month term
$50,000
2.176%
2.20%
Jumbo 24-month term
$50,000
2.323%
2.35%
Jumbo 36-month term
$50,000
2.469%
2.50%
Jumbo 48-month term
$50,000
2.518%
2.55%
Jumbo 60-month term
$50,000
2.616%
2.65%

*APY=Annual Percentage Yield. Rates are current as of 03/01/2023 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. 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
**$500 minimum. 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.

***APY=Annual Percentage Yield. Minimum certificate amount is $500. Available terms are 5 months. Promotional share certificate available for new deposits only. Rates are current as of 5/02/2023 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. 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.