Share Certificates
Earn more for your savings.
- Up to 4.00% APY with dividends paid monthly
- Open with $500 minimum deposit
- Flexible terms from 3 months to 10 years
- Automatic renewal at maturity
- Funds federally insured up to $250,000
Share Certificate Rates
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.36% | 3.41% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.88% | 3.95% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.93% | 4.00% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.98% | 4.05% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.88% | 3.95% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.88% | 3.95% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.93% | 4.00% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.93% | 4.00% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500.00 and up | 3.93% | 4.00% |
Rates are effective as of August 22, 2025
A penalty will be imposed for early withdrawal, including substantial penalties on tax-deferred instruments.
Credit Human Share Certificates are available with a minimum deposit of $500.
Actual certificate dividend rate and annual percentage yield (APY) will be based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. The annual percentage yield assumes that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Published rates and annual percentage yields (APYs) are subject to change daily.
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
Great Rates and Flexible Terms
Choose the deposit amount and term commitment that work for you.
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.
Your Insured Funds
As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by the National Credit Union Administration (NCUA).