anchor your savings at park
Whether you’re saving for something big or just want a short-term boost, Park’s limited-time share certificate offer helps you grow your money with confidence—and no surprises. Open your account online today or in-person at a local branch.
NEW! 7-Month Certificates at 4.30% APY1
10-Month Certificates at 4.25% APY1
Why Open a Certificate at Park?
A Share Certificate is a secure way to grow your savings at a fixed rate over a set period of time—similar to a CD at a bank. You deposit a set amount, lock in your rate, and watch your money earn more without the risk of market ups and downs.
With Park’s featured Share Certificates, you can grow your savings and support our mission by fueling financial education, community growth, and real local impact. New and existing members can open an account online in just a few minutes!
Guaranteed Growth
Lock in a fixed rate and watch your savings grow.
Flexible Terms
Choose a term that fits your timeline. Rate will vary based on chosen term.
Higher Earnings
Interest is compounded daily and credited monthly.
Featured Share Certificate Rates
| Certificate Term | Minimum Deposit Amount | Dividend Rate | APY1 |
|---|---|---|---|
| 7-Month Term | $500 | 4.210% | 4.30% |
| 10-Month Term | $500 | 4.162% | 4.25% |
| 15-Month Term | $500 | 3.922% | 4.00% |
Looking for a more flexible alternative?
Grow your savings while maintaining easy access to your funds with a money market account. Our money market accounts earn up to 5x the national average on savings2 with no term commitments and rates as high as 1.10% APY3
- No monthly service charge
- 6 FREE withdrawals per month with $250 minimum withdraw3
- No charge, no obligation financial counseling
- FREE Signature Guarantee
- FREE Notary Service
- Exclusive Rates for Park Perks members
Money Market Account Rates
| Range | Dividend Rate | APY* | Dividend Rate with Park Perks** | APY* with Park Perks** |
|---|---|---|---|---|
| $1,000 to $49,999.99 | 0.449% | 0.45% | 0.747% | 0.75% |
| $50,000 – $149,999.99 | 0.995% | 1.00% | 1.292% | 1.30% |
| $150,000 – $249,999.99 | 0.995% | 1.00% | 1.735% | 1.75% |
| $250,000 & higher | 1.094% | 1.10% | 2.225% | 2.25% |
*APY = Annual Percentage Yield. All savings rates quoted as annual percentage yields. Rates as of 10.01.2025 and subject to change without notice. Fees could reduce earnings
**Exclusive rates and waived monthly maintenance fee available with active Park Perks enrollment. To enroll in Park Perks member must have a Thryve Checking account, a debit card, and be enrolled in Savings Jar with a minimum of one round up within the current statement cycle.
Looking for more information?
Frequently Asked Questions
What is a share certificate?
At a credit union, a share is another term for deposits, since each member owns a share of the credit union. A share certificate is a type of savings account that offers a fixed dividend rate for specific terms.
Share certificates typically offer higher dividend rates than traditional savings accounts. To earn the full dividend, you must keep your money in the account for the complete term of the certificate.
What is a money market account?
Money market accounts are a type of savings account that typically offers higher interest rates than regular savings accounts while providing limited check-writing and transaction capabilities. They are a good option for those seeking to earn more on their savings while maintaining some access to their funds.
What is the difference between a money market account and a share certificate?
A money market account and a share certificate are both savings vehicles that offer interest, but they differ in their liquidity and interest rate structures. Money market accounts provide easier access to your funds, while share certificates lock in your money for a fixed term, offering potentially higher interest rates in exchange for less liquidity.
Do I need to be a member to open a share certificate or money market account?
Yes, you must qualify for membership and open a savings account in order to open a share certificate or money market account.
Ready to earn more?
Give us a call at 502.968.3681, visit a local branch, or open your account online!
Details
1 APY= Annual Percentage Yield. APY effective 8.01.2025. 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 into a traditional 12 month 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.
2 The national average credit union savings account rate is 0.19% APY as of March 28, 2025, according to the NCUA’s published quarterly Credit Union and Bank Rates information. Visit the NCUA website for details.
3 APY = Annual Percentage Yield. All savings rates quoted as annual percentage yields. Rates as of 10.01.2025 and subject to change without notice. Must maintain a $250,000 balance to obtain the stated rate. Fees could reduce earnings. Must qualify for membership and become a member to open Money Market Account.