Skip to main content

Share Certificates

A Share Certificate is a low-risk way to watch your money grow when you don't need immediate access to your funds.

First Northern Credit Union offers Share Certificates, Traditional IRA Share Certificates, Roth IRA Share Certificates, and Coverdell ESA Share Certificates.

  • Open with as little as $2,500
  • Terms from 6 months to 5 years
  • Earn higher dividend rates than Share Savings accounts and avoid the risks of investment accounts
  • Pay no monthly maintenance fee**
  • Your funds are federally insured by the National Credit Union Administration up to $250,000.

OPEN Now

Share Certificates $50,000+
Term APY*
6 months 0.25%
12 months 0.50%
18 months 0.55%
24 months 1.75%
36 months 2.00%
60 months 2.50%
Share Certificates $25,000 - $49,999.99
Term APY*
6 months 0.20%
12 months 0.45%
18 months 0.50%
24 months 1.25%
36 months 1.50%
60 months 2.00%
Share Certificates $2,500 - $24,999.99
Term APY*
6 months 0.15%
12 months 0.30%
18 months 0.35%
24 months 0.75%
36 months 1.25%
60 months 1.50%

OPEN Now   Learn More

* APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for share certificates are declared and paid monthly. For share certificates, a penalty may be imposed for withdrawals before maturity. See your Truth-In-Savings disclosure for details. 

**Other fees may apply and may reduce earnings. See fee schedule for details.

As with any investment, we encourage you to speak with a tax advisor before opening an account. Any withdrawal prior to maturity requires the closing of the certificate. If the account has an original maturity of 12 months or less the penalty we may impose will be the greater of seven days dividends on the amount withdrawn, or up to 90 days' dividends, which may include principal. If the account has an original maturity of longer than 12 months and less than 60 months the penalty we may impose will be the greater of seven days dividends on the amount withdrawn, or up to 180 days' dividends, which may include principal. If the account has an original maturity of 60 months or longer the penalty we may impose will be the greater of seven days dividends on the amount withdrawn, or up to 365 days dividends, which may include principal. All penalties are calculated on the original certificate balance or the most recent certificate renewal balance.