share certificates

Share Certificates

Get More From Your Money

Put your funds to work with Share Certificates (also commonly known as a certificate of deposit or CD) from Greater Nevada Credit Union. With higher earnings and several different terms to choose from, this type of account is a great option to watch your savings grow.

Take advantage of our limited-time rates with only a $500 minimum deposit required!1

What is a Share Certificate?

A Share Certificate is an account into which you deposit an agreed-upon amount of money for an agreed-upon amount of time. In exchange, Greater Nevada will pay an agreed-upon dividend – guaranteed.

During the term, you can’t access your money without paying a penalty. But the benefits are considerable: Share Certificates enjoy higher rates than savings accounts – sometimes significantly higher.

If you can comfortably set aside funds (and don’t anticipate needing those funds for the duration of the term) then a Share Certificate may be the perfect way to grow your money with higher-than-average rates.

Benefits of Share Certificates

Patience is a virtue when it comes to reaping the rewards of Share Certificates, and the rewards are well worth waiting for.

money icon

Higher Returns

Share Certificates earn Greater returns when compared to rates for standard savings accounts in the same period of time.

percentage icon

Higher Rates

At Greater Nevada, we’re pleased to offer higher Annual Percentage Yields (APYs) on Share Certificates with longer terms and larger balances.

checklist icon

Collateral for Loans

You’re empowered to use your Share Certificate as collateral for a Greater Nevada Deposit Secured loan. It’s our way of helping you Live Greater!

credit-union icon

Minimum to Open

To open a Share Certificate at our credit union, you’ll need at least $1,000 to get started.

link icon

Risk-Free Reward

Compared to stock market or other investments, Share Certificates are a guaranteed safe bet.

security icon

Federally Insured

The funds you deposit at Greater Nevada Credit Union, including your Share Certificates, are federally insured by the National Credit Union Administration (NCUA) to $250,000.

Share Certificate (CD) Rates

Term
Minimum Balance $500 Rate
Minimum Balance $500 APY1
Term
3 Months
Minimum Balance $500 Rate
1.490%
Minimum Balance $500 APY1
1.50%
Term
6 Months
Minimum Balance $500 Rate
1.982%
Minimum Balance $500 APY1
2.00%
Term
12 Months
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY1
4.75%
Term
17 Months (Limited-time special)
Minimum Balance $500 Rate
4.745%
Minimum Balance $500 APY1
4.85%
Term
17 Months (Limited-time special with an active Aspire Checking account)
Minimum Balance $500 Rate
4.889%
Minimum Balance $500 APY1
5.00%
Term
18 Months
Minimum Balance $500 Rate
4.169%
Minimum Balance $500 APY1
4.25%
Term
21 Months (Limited-time special)
Minimum Balance $500 Rate
4.650%
Minimum Balance $500 APY1
4.75%
Term
24 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY1
3.10%
Term
28 Months (Limited-time special)
Minimum Balance $500 Rate
3.928%
Minimum Balance $500 APY1
4.00%
Term
30 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY1
3.10%
Term
36 Months
Minimum Balance $500 Rate
3.057%
Minimum Balance $500 APY1
3.10%
Term
48 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY1
2.50%
Term
60 Months
Minimum Balance $500 Rate
2.472%
Minimum Balance $500 APY1
2.50%

1APY (Annual Percentage Yield) effective January 12, 2024, and subject to change without notice. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Non-compounding Certificates are also available at reduced rates and APYs. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on the account. The minimum opening deposit is $500.

Open Online

Book a Branch Appointment

Share Certificate Frequently Asked Questions (FAQs)

Find the answers to commonly asked questions about Share Certificates below, or contact us online or by phone at (800) 421-6674.

What is the difference between a Share Certificate and Certificate of Deposit (CD)?

plus sign icon

A Share Certificate and Certificate of Deposit (CD) are very similar. Each financial product has similar terms, and both are designed to help save and grow money over periods of time.
However, Share Certificates are offered by credit unions and federally insured by the National Credit Union Administration, while Certificates of Deposit (CDs) are offered by banks and federally insured by the Federal Deposit Insurance Corporation (FDIC).

How does a Share Certificate work?

plus sign icon

When you open a Share Certificate account, you agree to deposit a certain amount of money for a certain amount of time. The financial institution holding that money agrees to pay you a certain interest rate during that time. At the end of that period, when your Share Certificate “matures,” you can withdraw the new amount without penalties. But if you withdraw early, you’ll be subject to a penalty.

Are Share Certificates with a credit union safe?

plus sign icon

Yes. Share Certificates are federally insured up to $250,000 by the National Credit Union Administration (NCUA), like all other funds deposited at Greater Nevada.

Open a Share Certificate Account

Find the perfect Share Certificate for your financial goals–it all starts with opening one online or a visit to your local Greater Nevada branch.