Park Community Credit Union - Share Certificates

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.

Bump Certificates

Get great rates now, and later with the Bump Certificate. Choose from a 12-month term at 4.00% APY* or 24-month term at 4.25% APY*. 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.

  • 4.25% APY for 24 Months
  • 4.00% APY for 12 Months

Back2Savings Certificates available now!

A certificate in a class of its own! Introducing the limited time Back2Savings Certificate. Apply online, by phone, or at your local branch.

  • 2.00% APY for 13 Months
  • 1.95% APY for 9 Months
  • No new money requirement
  • *$500 minimum. Available terms are 12 and 24 month. Six months after opening, member has one-time option to update (bump) rates to the current rates, which will remain in effect until the certificate maturity date.

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.

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 Share Certificate

Term Minimum Dividend Rate APY*
12-month term Minimum $500 3.922% 4.00%
24-month term Minimum $500 4.160% 4.25%

Back2Savings Share Certificate

Share Certificate Type Term Minimum Dividend Rate APY*
Back 2 Savings 9 Month Certificate 9-month term Minimum $500 1.931% 1.95%
Back 2 Savings 9 Month IRA Certificate 9-month term Minimum $500 1.931% 1.95%
Back 2 Savings 13 Month Certificate 13-month term Minimum $500 1.980% 2.00%
Back 2 Savings 13 Month IRA Certificate 13-month term Minimum $500 1.980% 2.00%

Traditional Share Certificates

Term Minimum Dividend Rate APY*
6-month term Minimum $500 1.242% 1.25%
12-month term Minimum $500 1.341% 1.35%
18-month term Minimum $500 1.390% 1.40%
24-month term Minimum $500 1.489% 1.50%
36-month term Minimum $500 2.225% 2.25%
48-month term Minimum $500 2.274% 2.30%
60-month term Minimum $500 2.323% 2.35%

Wealth Builder Share Certificate

Term Minimum Dividend Rate APY*
24-month term Minimum $250 1.242% 1.25%

CerKIDicate Share Certificate

Term Minimum Dividend rate APY*
24-month term Minimum $100 1.980% 2.00%

Jumbo Share Certificates

Term Minimum Dividend Rate APY*
12-month term Minimum $50,000 1.390% 1.40%
24-month term Minimum $50,000 1.538% 1.55%
36-month term Minimum $50,000 2.274% 2.30%
48-month term Minimum $50,000 2.323% 2.35%
60-month term Minimum $50,000 2.372% 2.40%
  • *APY=Annual Percentage Yield. Rates are current as of 9/23/2022 and are subject to change without notice. An early withdrawal penalty may be imposed on all share certificate accounts. For more detailed information, call 502.968.3681. Share certificate funds are insured by the NCUA up to $250,000 per individual (included with aggregate balance on deposit at Park Community Credit Union.