Secure Growth with Eagle's Federally Insured Share Certificates
Share certificates are a safe and effective way to grow your savings. They are ideal if you want a safe, predictable way to grow savings and don’t need immediate access to the funds. With just a $1,000 minimum deposit, you can start earning more with Eagle Community Credit Union. Key benefits include:
- Fixed interest rates that guarantee your earnings.
- Short-term options like 6-month or 12-month certificates for quick gains.
- Federal insurance up to $250,000 by NCUA, protecting your investment.
Available for a limited time
Our promotional Share Certificates give you the opportunity to lock in competitive rates with flexible terms designed to help your savings grow faster. Choose from our 14-Month Promotional Term and IRA Certificates for a strong fixed return, or our 10-Month Stretch Share Certificate for short-term growth with the option to adjust if rates rise. These special offers won’t last forever, so now is the perfect time to put your money to work.
14-Month Share Certificate
- High Fixed APY: Competitive 4.000% APY* for the full 14-month term.
- Short-Term Commitment: Ideal for savers who want a solid rate without a long lock-in.
- Federally Insured: Your investment is protected up to $250,000 by the NCUA.
- No Maintenance Fees: Every dollar you save is working for you
10-Month Stretch Certificate
- Competitive APY: Earn a strong 3.750% APY* right from the start.
- Flexible Term: Option to adjust your rate up, if rates rise.
- Short Initial Commitment: Grow your savings in only 10 months.
- Safe & Secure: No market risk and federally insured — your principal is protected
Start your journey to financial growth with Eagle Community Credit Union, where your financial security is our top priority.
Stretch Certificate†
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 10 Months | $1,000 | $1,000 | 3.687% | 3.750% |
| *APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. Annual Percentage Yield assumes deposits and dividends paid are held to maturity. | ||||
| †Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. | ||||
14-Months Promotional Term and IRA Certificates†
Effective Date: Monday, February 2nd, 2026
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 14 Months | $1,000 | $1,000 | 3.928% | 4.000% |
| 14 Months - IRA | $500 | $500 | 3.928% | 4.000% |
| *APY = Annual Percentage Yield. APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. | ||||
| †The promotional 14-month Certificate offers a dividend rate of 3.928%, with an Annual Percentage Yield (APY) of 4.000%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 12-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information. | ||||
Early Saver Certificate**†
Effective Date: Monday, February 2nd, 2026
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 3 Months | $500 | $500 | 2.472% | 2.500% |
| 6 Months | $500 | $500 | 3.348% | 3.400% |
| 12 Months | $500 | $500 | 3.203% | 3.250% |
| 24 Months | $500 | $500 | 3.203% | 3.250% |
| 36 Months | $500 | $500 | 3.008% | 3.050% |
| 48 Months | $500 | $500 | 3.154% | 3.200% |
| 60 Months | $500 | $500 | 3.251% | 3.300% |
| *APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. Annual Percentage Yield assumes deposits and dividends paid are held to maturity. | ||||
| † Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. | ||||
| **Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only | ||||
$1,000 Term Share†
Effective Date: Monday, February 2nd, 2026
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 3 Months | $1,000 | $1,000 | 2.472% | 2.500% |
| 6 Months | $1,000 | $1,000 | 3.348% | 3.400% |
| 12 Months | $1,000 | $1,000 | 3.203% | 3.250% |
| 24 Months | $1,000 | $1,000 | 3.203% | 3.250% |
| 36 Months | $1,000 | $1,000 | 3.008% | 3.050% |
| 48 Months | $1,000 | $1,000 | 3.154% | 3.200% |
| 60 Months | $1,000 | $1,000 | 3.251% | 3.300% |
| *APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. Annual Percentage Yield assumes deposits and dividends paid are held to maturity. | ||||
| † Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. | ||||
$50,000 Term Share Certificate†
Effective Date: Monday, February 2nd, 2026
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 3 Months | $50,000 | $50,000 | 2.472% | 2.500% |
| 6 Months | $50,000 | $50,000 | 3.348% | 3.400% |
| 12 Months | $50,000 | $50,000 | 3.203% | 3.250% |
| 24 Months | $50,000 | $50,000 | 3.203% | 3.250% |
| 36 Months | $50,000 | $50,000 | 3.008% | 3.050% |
| 48 Months | $50,000 | $50,000 | 3.154% | 3.200% |
| 60 Months | $50,000 | $50,000 | 3.251% | 3.300% |
| *APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. Annual Percentage Yield assumes deposits and dividends paid are held to maturity. | ||||
| † Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. | ||||
$100,000 Term Share Certificate†
Effective Date: Monday, February 2nd, 2026
| Term | Min. to Open | Min. to Earn APY* | Dividend Rate | APY* |
|---|---|---|---|---|
| 3 Months | $100,000 | $100,000 | 2.472% | 2.500% |
| 6 Months | $100,000 | $100,000 | 3.348% | 3.400% |
| 12 Months | $100,000 | $100,000 | 3.203% | 3.250% |
| 24 Months | $100,000 | $100,000 | 3.203% | 3.250% |
| 36 Months | $100,000 | $100,000 | 3.008% | 3.050% |
| 48 Months | $100,000 | $100,000 | 3.154% | 3.200% |
| 60 Months | $100,000 | $100,000 | 3.251% | 3.300% |
| *APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. Annual Percentage Yield assumes deposits and dividends paid are held to maturity. | ||||
| † Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. | ||||
