Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.
- Up to 1.30% APY with dividends paid monthly
- Open with $5,000 minimum deposit
- Fixed, 1-year term with unlimited deposits and two allowed withdrawals*
- Automatic renewal at maturity
- Funds federally insured up to $250,000
Note: If you are interested in investment options, explore other certificate and IRAs.
Great Rates and Terms that Enable Access
Your Credit Human Liquid Share Certificate lets you make a fixed, 1-year term commitment and earn monthly dividends on balances of $5,000 or more. Make unlimited deposits during the year commitment. You can also make two, no-penalty withdrawals during the term as long as you maintain a minimum balance of $5,000.
Note: The dividend rate and corresponding annual percentage rate (APY) for the contract period will be determined based on the purchase amount. The dividend rate will not change during the 1-year contract term. Dividends are paid monthly and calculated using the daily balance method. Beyond the two allowed withdrawals, a penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments. Fees could reduce earnings.
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.