Term Share Certificates

A Term Share Certificate is simply the credit union name for a Certificate of Deposit (CD). The longer the term, the higher the dividend rate will be. You will receive an increased dividend rate for higher balances.


  • Highest dividend rate of any deposit account
  • Safe way to save your money
  • Flexible terms from three to sixty months

An early withdrawal penalty applies when any part of the principal is withdrawn before the maturity date. The maximum dividend penalty for certificates with a term of 12 months or less is 90 days of interest. The maximum dividend penalty when the term is greater than 12 months is 180 days of interest. The penalty will never be more than the amount of dividends you have accrued since the opening date. No early withdrawal penalty applies in the case of the certificate owner's death. Term Share Certificates are insured through NCUA share insurance.

Call 208-656-1000 to open a Term Certificate Account today.

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Related Products & Services:

  • Enjoy liquidity and high dividend rates with a Money Market Share
  • Schedule a free visit with our financial advisor to discuss which investment and retirement options are right for you
  • Receive tax advantages while you save for retirement with an IRA certificate