Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.
- Up to 3.75% APY with dividends paid monthly
- Open with $500 minimum deposit
- Flexible terms from 6 months to 10 years
- Automatic renewal at maturity
- Funds federally insured up to $250,000
Notes: If you are interested in investment options, explore other certificate and IRAs.
Great Rates and Flexible Terms
Choose the deposit amount and term commitment that work for you. Earn monthly dividends on balances as low as $500. Choose a term as short as six months or as long as ten years. Dividends are paid monthly at a rate corresponding to your deposit amount and term.
Notes: The dividend rate and corresponding annual percentage rate (APY) for the contract period will be determined based on the purchase amount and the contract term. Dividends are paid monthly and calculated using the daily balance method. A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Fees could reduce earnings.
Create Credit Options
When you have a Credit Human Share Certificate, you can keep your assets and get the credit you need when you need it. Enjoy a reduced rate by lending money to yourself with a Credit Human Share Certificate Secured Loan. To apply, call our Member Service Center at 210-258-1234 or toll free at 800-688-7228.
Notes: IRA Share Certificates and Liquid Share Certificates cannot be used as collateral for this loan option.
Your Insured Funds
As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.
More Details: Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at 210-258-1234 or toll free at 800-688-7228 for further information on your insured funds.