Personal Share Certificates

Looking for a safe and reliable way to grow your money? Park Community Share Certificates offer competitive rates and guaranteed returns, helping you reach your savings goals faster. Choose a term that works for you and watch your savings grow with confidence.

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Share Certificates

Peace of mind, with interest.

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 Share Certificates.

Pick Your Term!

Derby season is almost upon us and at Park you can pick more than just a pony. For a limited time, the choice is yours! Pick the timeframe that makes sense for you for 4.25% APY* on 5,10, or 15 month certificates!

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Traditional Share Certificate

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

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 more each week ($10 minimum) by visiting Park Community or through direct deposit or payroll deduction.

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CerKIDicate

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

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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Our Featured Rates

Current Rates

Review our current Share Certificate rates.

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Promo Certificates

Certificate TypeMinimum Deposit AmountDividend RateAPY*
Promotional 5 – Month Term$5004.162%4.25%
Promotional 10 – Month Term$5004.162%4.25%
Promotional 15 – Month Term$5004.162%4.25%
*APY= Annual Percentage Yield. APY effective 3/10/2025. 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.

Traditional Certificates

Certificate TypeMinimum DepositDividend RateAPY*
Traditional 6-Month Term$5002.518%2.55%
Traditional 12-Month Term$5002.518%2.55%
Traditional 18-Month Term$5002.518%2.55%
Traditional 24-Month Term$5002.518%2.55%
Traditional 36-Month Term$5002.421%2.45%
Traditional 48 Month Term$5002.469%2.50%
Traditional 60-Month Term$5002.567%2.60%
*APY= Annual Percentage Yield. APY effective 11/22/2024. 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.

Wealth Builder Certificates

Certificate TypeMinimumDividend RateAPY*
Wealth Builder 24-Month Term$2502.176%2.20%
*APY= Annual Percentage Yield. APY effective 11/22/2024. 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 $250 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.

Cerkidicates

Certificate TypeMinimumDividend RateAPY*
CerKIDicate 24-Month Term$1003.005%3.05%
*APY= Annual Percentage Yield. APY effective 11/22/2024. 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 $100 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.

Jumbo Certificates

Certificate TypeMinimumDividend RateAPY*
Jumbo 12-Month Term$50,0002.567%2.60%
Jumbo 24-Month Term$50,0002.567%2.60%
Jumbo 36-Month Term$50,0002.469%2.50%
Jumbo 48-Month Term$50,0002.581%2.55%
Jumbo 60-Month Term$50,0002.616%2.65%
*APY= Annual Percentage Yield. APY effective 11/22/2024. 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 $50,000 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.

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