Share Certificates offer peace of mind with interest.

At Park Community, you can grow your money faster with the better interest rates only a not-for-profit can offer.
Park Community Credit Union Share Certificates are safe, secure, and insured up to $250,000*. Choose your type of share certificate, your terms, and your opening investment and start saving today with one of our five great Share Certificates.

Warm Up Your Savings with Park!

Don’t be stuck in the cold with low certificate rates, warm up to saving with Park!  For a limited time, choose a 5 month or 10 month share certificate with a great rate and watch your savings heat up with Park!

5-month Share Certificate at 4.50% APY*

10-month Share Certificate at 4.25% APY*

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Traditional Share certificate $500 minimum

With terms ranging from six months to five years and fabulously competitive rates, the traditional share certificate requires a minimum opening balance of only $500. At the end of your term, you can either cash out or reinvest.

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Wealth builder Share certificate $250 minimum

The Wealth Builder share certificate still earns more interest than a regular savings account, but only requires a minimum deposit of $250. Plus, you can add invest more each week ($10 minimum) by visiting Park Community Credit Union or through direct deposit or payroll deduction.

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CerKIDicate share certificate $100 minimum

Share certificates are for kids, too! Get your kids on the right track to financial success and teach them the value of investing with a CerKIDicate. CerKIDicates require only $100 to open and offer 24-month terms so your kids can watch their money grow while they’re growing. Dividend rates on CerKIDicates are 0.50% above regular share certificate dividend rates.

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JUMBO share certificate $50,000 minimum

The Jumbo Share Certificate offers higher rates for larger deposits. With a minimum $50,000 to open, you’ll earn higher dividend rates than our standard share certificate. You can choose from 12, 24, 36, 48, and 60-month terms.

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Bump certificate $500 minimum

Get great rates now, and later with the Bump Certificate. Choose from a 12-month or 24-month term. Then, after at least 6 months, if the Bump Certificate dividend rate goes up you can use a one-time rate “bump” to match the new dividend rate. The new, higher rate will be paid for the remainder of your certificate term!**

promotional

Certificate Type
Minimum
Dividend Rate
APY*
Promotional 5-month term
$500
4.402%
4.50%
Promotional 10-month term
$500
4.162%
4.25%

Traditional

Certificate Type
Minimum
Dividend Rate
APY*
Traditional 6-month term
$500
2.518%
2.55%
Traditional 12-month term
$500
2.518%
2.55%
Traditional 18-month term
$500
2.518%
2.55%
Traditional 24-month term
$500
2.518%
2.55%
Traditional 36-month term
$500
2.421%
2.45%
Traditional 48-month term
$500
2.469%
2.50%
Traditional 60-month term
$500
2.567%
2.60%

Wealth Builder

Certificate Type
Minimum
Dividend Rate
APY*
Wealth Builder 24-month term
$250
2.176%
2.20%

CerKIDicate

Certificate Type
Minimum
Dividend Rate
APY*
CerKIDicate 24-month term
$100
3.005%
3.05%

JUMBO

Certificate Type
Minimum
Dividend Rate
APY*
Jumbo 12-month term
$50,000
2.567%
2.60%
Jumbo 24-month term
$50,000
2.567%
2.60%
Jumbo 36-month term
$50,000
2.469%
2.50%
Jumbo 48-month term
$50,000
2.518%
2.55%
Jumbo 60-month term
$50,000
2.616%
2.65%

Details:

*APY= Annual Percentage Yield. APY effective 11/8/2024. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.