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Certificates

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Start Growing Your Savings With Certificates – One of the Greatest Savings Options Around!

  • Term Options: Choose from 3 to 59 months.

  • Lock-in Rates: Enjoy guaranteed rates for your chosen term.

  • Minimum $500: Get started with a minimum investment.

  • Interest Options: Interest can compound on the principal.

  • Flexible Payouts: Receive interest monthly, quarterly, or annually.

  • Interest Transfers: Easily transfer interest to another Solidarity account for access.

  • Early Withdrawal Penalty: There's a penalty for early certificate withdrawal.

  • Learn More: Visit a branch or call us for detailed information.

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Why Choose A Solidarity Certificate?

Certificates at Solidarity Community Federal Credit Union are designed for members who want a safe, steady way to grow their savings without the uncertainty of market-based investments. By locking in a fixed interest rate for your chosen term, you’ll know exactly how much your money will earn—making it easier to plan for both short- and long-term goals. Whether you’re saving for a major purchase, building a retirement fund, or setting aside money for a child’s education, Certificates give you predictable growth backed by the security of NCUA insurance.

We offer flexibility to fit your financial strategy. You can open a Certificate as a regular savings option or within a Traditional IRA, Roth IRA, or Education Savings account, allowing you to maximize tax advantages where applicable. With competitive rates, multiple term lengths, and options for how and when you receive interest, you can customize your Certificate to work best for your needs. And because Solidarity is member-owned, the earnings we generate go right back into offering better rates, lower fees, and improved services for you.

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Frequently Asked Questions About Certificates

1. What is a Certificate?
A Certificate—sometimes called a Share Certificate or CD—is a savings account that earns a fixed interest rate for a set period of time. When you open a Certificate with Solidarity, you agree to keep your money deposited for the chosen term, and in return, you receive guaranteed earnings.
2. How is a Certificate different from a regular savings account?
Certificates typically offer higher interest rates than standard savings accounts because your funds are locked in for a set term. This makes them a great option for money you don’t need immediate access to.
3. What terms can I choose from?
We offer terms ranging from 3 to 59 months. You can choose the length that best fits your financial goals—shorter terms for quick access, or longer terms for higher rates.
4. How much do I need to open a Certificate?
The minimum deposit to open a Certificate with Solidarity is $500.
5. Can I open a Certificate as part of an IRA or Education Savings plan?
Yes. Certificates can be opened as regular savings accounts, or within a Traditional IRA, Roth IRA, or Education Savings account to help you take advantage of potential tax benefits.
6. What happens if I withdraw money early?
If you withdraw funds before the Certificate matures, an early withdrawal penalty will apply. This helps maintain the higher interest rates we offer on these accounts.
7. How is interest paid?
You can choose to have interest compounded back into the Certificate or paid out monthly, quarterly, or annually. Interest can also be transferred to another Solidarity account for easy access.
8. Are Certificates safe?
Yes. Certificates at Solidarity Community Federal Credit Union are insured by the NCUA up to applicable limits, giving you peace of mind that your money is protected.
9. How do I open a Certificate?
You can open a Certificate by visiting any Solidarity branch or calling us directly. Our team will help you select the term, rate, and payout option that best fits your needs.
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