Share Certificates

Whether you’re looking for a short-term shelter or a long-term, low-risk investment, TOPCU’s certificates are a great choice. We combine the security of an NCUA insured account with higher dividend rates and terms that allow the flexibility you need to optimize your earning potential.

Through TOPCU’s Member Rewards program, you may be eligible for higher rates based on cumulative household deposit or loan balances.


Share Certificate Deposit (CD) Rates

Term APY*
6 month 4.06%
1 Year 4.06%
2 Year 3.82%
3 Year 3.30%
4 Year 3.04%
5 Year 3.04%

*APY=Annual Percentage Yield. Rates are subject to change without notice. Dividends are paid and compounded Monthly from date of deposit and are available for withdrawal. Penalty for early withdrawal will apply. Fees could reduce the earnings on this account. Rates are current as of February 25th, 2024.  

  • Minimum opening deposit of $1,000
  • Terms from 4 months to 5 years
  • May be used as collateral for a loan
  • From the date of deposit, dividends are paid and compounded quarterly